Mr. Speaker, I would like to thank the hon. member for his very pertinent and intelligent question.
It is true that I am prepared to say that the pooled registered pension plan is not a problem in itself. I agree with it, but it is not the best solution. A number of Canadians are not able to put money aside in RRSPs. Will PRPPs really help those Canadians? Some, maybe, but certainly not all. We can do better, as I have been saying since this debate began.
Why not enhance Canada Pension Plan benefits? The program works well; it has very low management costs and the ability to handle risks collectively.