I see where you're coming from.
First, we have the CPP, which is a mandatory program. It was overhauled 10 years ago. It's very efficient. That's the core of our pension system.
The other aspects of it are voluntary. But at the same time, there are real incentives through the tax system--the RRSPs, the RRIFs, group RRSPs, and the PRPPs. There's a wide range of different programs that can be accessed by individual Canadians to supplement their retirement. So when you stand back and look at the system, I think it's quite effective.