Mr. Speaker, the member has touched on a very important aspect of this bill: not all Canadians can afford to retire. That is what he said word for word. With this bill, the worker contributes to his future retirement, but the employer is not required to do so.
A Canadian who is currently unable to contribute to an RRSP does not qualify for the related tax refund. I am talking about hundreds and thousands of Canadians. How will they manage to come up with the money they need for their retirement by making a mandatory contribution to a fund that does not provide a subsidy, rebate or tax credit, as an RRSP does? I would like the member to tell us that.