Unfortunately, I am not qualified to answer that question. Some advice is definitely provided. In my actuarial reports, I speak very clearly about the future performance assumptions for the assets of the Canada Pension Plan, for example, and the way in which we come up with those assumptions. At the moment, the Canada Pension Plan has a benchmark portfolio made up of 65% in shares and 35% in bonds. Of course, we stated very clearly in the actuarial report that investing in shares involved volatility. There is a whole section devoted to the volatility of the financial markets.
Why do we have a 65-35 split? We also said that if all of the money were invested in long-term federal bonds, a 9.9% contribution rate would not do; it would have to be increased to 10.6%.