I would just add that only 30% of Canadians have pension plans of any type. Of those, a growing number are becoming what they call defined contributions. There's an agreement that you'll give x number of dollars and your employer will either match that or give some sort of a percentage of that. The entire risk of that plan rests on the shoulders of the employee.
We're very fortunate in the public service—and I'm speaking for myself now—in that we have a defined benefit plan. It's the same plan we have for our veterans and for the RCMP in that it is a defined benefit plan. It means that right now I can tell you from my benefit statement how much I'm going to have, and the risk for getting me there is borne by the government.