I think you have to do it in three or four ways, as Joel said. First of all, with the plans that exist now, we have to establish an insurance policy on those so that the people who have contributed to that plan can continue to move forward.
But I think you heard from the former actuary of the CPP that this would be phased in terms of the contributions, as people working start contributing, and employers contribute more into their Canada Pension Plan, and as you get older and make more contributions, your pension asset goes up. It wouldn't be something we think you would have to start with immediately. It would have to come over a generation to start the funds and roll in a national pension scheme that works for all people.