I guess the big thing here was adding CPP and OAS simulation modelling would bring in a large number of Canadian finance planners that keep answering that question, “should I take CPP and OAS at age 60, 65 or defer it to age 70 and take the advantage of the .6% increase per year that this will give me. Modelling will then tell the user what the optimum age is to start adding these two sources of income