Mr. Speaker, it is hard to say. Only about 30% of Canadians are able to set aside any money in personal private plans. Only about 30% of Canadians have any kind of workplace pension. My guess is that will not improve. What the government is offering is another private vehicle. It would be optional for employers to make contributions. The employer would have to set it up. If the employer were not interested, nothing would happen.
It makes far more sense to look at the CPP, because it is absolutely solid and it guarantees the workers of this country a substantive and reasonable retirement. We need to improve it, most certainly. I have been very clear about that. We cannot continue to let 70% of Canadians fall by the wayside.