That would be for five years of pay. After five years, if you started at 28 or 29, you'd reach 34 or 35 with nothing left. Of course, you can invest that, but with $300,000, I don't think that can give you enough money for you to be able to.... At 10% return, you'd get, I don't know, $30,000, or less than that.
I'm just wondering if you can tell us, in your mind, if the lump sum award is something that is favoured, is something that should be continued, or is something that maybe we should look at abolishing.