According to the Canada Revenue Agency, for the 2010 taxation year, the annual RRSP contribution limit is 18% of earned income in the previous year to a maximum contribution of $22,000, an amount that is indexed to average wage growth. [...] The last three income classes are larger, which explains the increase in the amount of RRSP contributions and the number of contributors in those classes. [...] That being said, according to the results of an RBC survey in October 2009, ten months after it was first possible to contribute to TFSAs, 71% of surveyed Canadians were aware of the existence of the savings vehicle, and 24% of surveyed Canadians had opened a TFSA. [...] The right tools are in place, but human nature remains the biggest barrier to increased saving for retirement.” Furthermore, according to the written brief to the Committee by Open Access Limited, “Canada is fortunate to have a pension system which is the envy of the world. [...] David Dodge, former Governor of the Bank of Canada who appeared on his own behalf, provided a historical perspective on the replacement rate, suggesting that the rate “that is adequate, like beauty, is a bit in the eye of the beholder.