Mr. Speaker, I will cut my hon. colleague some slack, because it is all related.
It is about the knowledge of how to deal with those issues. One of the issues, as Canadians, is how to deal with retirement. CPP is there. It is in relatively good shape. It is well managed. We need to give Canadians options that they need to understand. That is where this comes in, whether it is bank fees or whatever. Canadians need to understand the options.
The only option should not be to give the government money and it will look after that money. The options should be that there are TFSAs, CPP that we all contribute to, income-splitting and a variety of things that Canadians can use to manage their retirement. That is what it is all about. It is giving Canadians the option and the education, and then letting them make their own decisions.