Madam Speaker, my observation is that, during the 10 years that the Conservative Party was in power, income disparity grew and the pension gap really rose, so there were a couple of mechanisms that the Conservatives brought forward: the tax-free savings account, and the pooled retirement pension plans.
I would be interested to know the member's observations on how successful those were, because what I have heard is that they were mostly taken up by middle- and high-income people and not the low-income Canadians we are trying to protect.