Okay, let's deal with a voluntary one then. We're agnostic when it comes to publicly run versus privately run plans for Canadians. Our concern about the supplemental CPP, the way it's been put out there and advertised, is that it seems to be the only game in town. So we're opposed to one large megafund, if you will. We'd like, as I said in my comments, to see many large plans operating across Canada. Quite frankly, we don't believe that the governments need to get into the scheme any more than they are, because they are providing, through CPP, QPP, and OAS, a minimum level of retirement income for Canadians.
The concern we have right now, and Ms. Eng suggested that the private sector has failed us here, is that there are obstacles, both in the tax act—