Mr. Speaker, those are all very good points from my colleague.
This is one of the advantages of the voluntary savings vehicles about which I talked. It remains an individual's money. Individuals have no disincentive to put money aside and save it because they know that money will be theirs for them to use in the future or to pass on to someone else.
That is another very good reason why the voluntary approach is a better approach for society, as opposed to the government knows best, government takes it away and gets to spend it, approach.