As we think about CPP and CPP Investments, there are several benefits worth highlighting. One is the mutualization of the risk across the country and the ability to have risk sharing. There's diversification across the Canadian economy, and this provides stability over the long term.
As was already highlighted, the CPP is a pension plan that provides defined benefits over time. It also provides one of the few real checks and balances against longevity risk. As I mentioned earlier, the additional CPP is really just starting now—it's very early. We certainly believe the value will become very evident over time, as it becomes a bigger part of people's retirement.