Madam Speaker, let us take a look at human nature. Whether it is a tax-free savings account or RRSPs, come tax time we all want to maximize our capacity and leave more money in our jeans. However, it is sometimes very difficult to come up with that $500, or $1,000 or $5,000 contribution, whatever it might be within the affordability of those individuals, to try to end up with some money after Revenue Canada has not taken its portion of the share back to the Canadian taxpayer. How do we do it when we do not necessarily have it? Canadians and human nature itself makes it a challenge to come up with a larger portion of money.
With the reverse onus, if we are able to take selective small amounts on a consistent basis with the full co-operation and planning mechanisms of the individuals involved, then it can happen literally, certainly not painlessly, with a heck of a lot less pain. In other words, a dollar a day. A penny saved is a penny earned. All of a sudden, at the end of that time period, it is a significant amount. The pooled registered pension plan would work very favourably to address that element of human nature.