Right. Well, the framework is similar in many respects to a DC, a defined contribution pension plan, where members are provided an opportunity to make investment choices among options provided. As has been noted, an important investment option as well will be a default option that an administrator would offer, and the draft legislation provides a duty on the administrator to invest the assets prudently, and it also requires that the administrator administer the PRPP as a trustee for the members. OSFI's role would be to oversee the activities of an administrator, and we'd follow a risk-based approach in assessing compliance with the requirements of the legislation, including requirements around the investment options offered and including the default option.
