Mr. Speaker, I thank my colleague for his very good question.
He may have a point. We may not have done a good enough job of educating Canadians about the tools we put in place during our 10 years in office to help them save for retirement. The fact is that if we compare what is happening now to what was happening 50 years ago, people are saving a lot more now than they did then. That is definitely a change for the better.
It is clear that people, whether young or older, can now take charge of their own savings. They do not need the government to impose a new tax on them or a new way to save or any kind of forced savings.