If I may, I can explain it to you this way. In the 1980s—1980 to 1983—I was financial counsellor for the Maritime Command. During those years I was lecturing in financial counselling: CSBs, RRSPs, orderly payment of debts, bankruptcy, insolvency, and all aspects. I was lecturing at all rank levels, looking after more than 10,000 personnel in the Maritime Command.
I was trained in financial counselling, and never at any point in time did they ever advise me of the clawback of the CPP program. So all the people I was lecturing didn't know. Furthermore, I was assisting them. I had created a program to teach them how to prepare themselves for retirement. At the end of the day, I was saying their military pension would be this amount of money, their Canada Pension would be this amount of money, their old age pension would be this amount of money, and nowhere in time did I tell them they would receive a benefit reduction. I didn't find out until age 65. Maritime Command has one of the largest retirement plans in Canada, and I didn't find out myself until age 65 that my pension was going to be reduced.
With regard to the amounts, they vary a lot because we're talking about a lot of rank levels, we're talking about time and service, and so on. So it's difficult to give you figures for exactly how much a person loses.