Mr. Speaker, I listened to my colleague's speech, but we still have the same problem, in that many Canadians cannot afford any kind of voluntary system to which employers do not contribute. There is no requirement within this pooled retirement savings plan to cause employers to contribute. Therefore, employees who are making minimum wage will never be able to contribute to it. I have negotiated a number of times with employers whose employees were down near the bottom of the food chain as it were, and there was no way they could contribute anything extra to any form of pension plan.
What will the government do for those kinds of individuals who have no opportunity and will not gain an opportunity by the introduction of yet another saving scheme?