Thank you very much, Patty.
I think the time is up. We've finished with the round of questions.
Before I thank the witnesses, there is one thing I would like to ask of the witnesses, and it follows up on Mr. Van Kesteren's question.
Do you think there should be some kind of legislation brought in that would penalize in some way companies that have, as you say, spent the pension plan money on assets, etc.? Secondly, do you think it would stop this from happening if private pension funds that are now run by particular companies for their workers were actually given to an independent third party to manage those funds--so it was hived out of the company? Will those two things help?
The third question is this. You talked about something that most people have not talked about, which is of great concern to me, and that is the fact that many people who have not been in the paid workforce tend to have nothing to depend on when they retire but OAS and sometimes GIS--and hopefully some sort of survivor benefit if they were married.
Those three things I would like a quick answer on, Patty, because then I have to go for it.