Mr. Speaker, I will address the member's first point.
The speech I gave was totally coherent. It is very easy. If we use CPP as an example, we would not force it upon all companies to contribute for all their employees because some companies cannot afford to, but some companies can.
The reason some companies would not have a pooled registered pension plan, as I stated, is because they are too small to even administer or handle the extra paper, as they are overloaded. That is the reality.
However, if there were enough employees who want to opt in with the CPP, eventually everybody will. It may start with 1¢ a pay, 10¢ a pay, $1, $10, or whatever it may be, but at least the system is there and already set up.
We have spoken to the people from CPP and QPP, and they are willing and able to do this. I do not see what the big deal is. I do not know why we have to make bankers and insurance companies richer by setting up a separate program.
Also, the Liberal government did not take money away from anything. The CPP is a totally independent board that administers money independently. None of that money was ever transferred.