Madam Speaker, I think my colleague did a very good job of pointing out that we have a policy choice. On the one hand, we can allow individuals to save more of their own money or on the other hand, we can have the government take that money and put it into this new, expanded pension concept the government has.
Maybe the member could talk a little bit more about the benefits of giving individuals choice and control over their own money versus giving government control of that money.