As Canada's baby boom generation approaches retirement age, public concern about the adequacy of retirement income is mounting. The sharp fall in stock markets and interest rates in 2008/09, coupled with the bankruptcy of a few major employers, has heightened Canadians' anxiety over the adequacy and certainty of their expected retirement incomes, from employer pensions, Registered Retirement Savings Plans (RRSPs) and other private savings. This anxiety has given rise to public debate about the tax and fiduciary rules governing corporate pension plans, about the possibility of expanding contributory public pension plans such as the CPP/QPP, about how much tax-deferred saving the Income Tax Act should allow, and for how long. Co-authored with Alexandre Laurin and Colin Busby and published in the C.D. Howe Institute's e-brief.