Madam Speaker, I agree with my colleague from London—Fanshawe. I am glad to have my RRSPs. I have been trying to put money away in RRSPs. However, when one looks at their efficacy, one finds that overall they cost the system a tremendous amount and really provide little pension availability, and they provide less as we look down the income scale. The people who most need pension benefits are less likely to find them through RRSPs.
I am attracted to the idea of more municipal bonds. I know we are thinking outside the Bill C-25 box, but what does the member for London—Fanshawe think of Canadians being able to put their retirement savings in municipal bonds in their own communities?