Madam Speaker, as the hon. member knows, a better plan, although similar to the one being discussed here today, has already been tested in Australia. Australian institutions realized that, after 10 years, the plan was producing results that showed that it had very high fees and costs, but gave rather low returns on investments.
Given that the Australian plan was mandatory and the one before us today would be voluntary, can the government provide any assurances that this will really work?