We certainly appreciate this caution on that.
Going back to the national pension insurance for a second, you talked about Ontario. Its scheme was introduced in the 1990s, but it was chronically under-funded. It was ignored by three governments, three different parties, over a period of time. I'm not so sure that the concept might not have been good in the beginning, but there's no point in having these plans unless we're going to fund them properly or we have a way of funding them properly.