I'll make one other very brief point.
One of the tools through which the PRPP will help, compared with the other options that exist today, is that the government has also proposed that under the Income Tax Act, PRPP contributions be exempt for an employer from payroll taxes. Right now, if an employer puts money into a group RRSP, he or she pays about 25% more than that because they have to pay the payroll taxes—CPP, EI, workers' compensation rates—on top of the contribution. With the PRPP, the contribution will be exempt. That will reduce the cost for small employers to put money into a PRPP. The money will go actually into the benefit, as opposed to being paid out in taxes to governments.
That is one way in which it will be more affordable and will expand coverage, we think.