Madam Speaker, speaking of tools, I want to talk about RRSPs. The member is right, they are a tool. When we consider the whole package of retirement funds, I agree that this pooled pension plan is one of the tools in the shed that is certainly of good benefit for many, but not really a lot.
If we are talking about doing a lot of heavy lifting with a shovel, what the member is armed with here today is a very large spoon. There is no doubt that it does its work. The problem is, when he talks about pooling the purchasing of paper to bring costs down, not everybody is buying paper. Therefore, I would suggest to him that, in addition to this, maybe he should look at using that CPP investment board that he spoke of as a voluntary option to supplement the current mandatory CPP payments. This would be a vehicle, another tool in the shed.