Finance committee  Thank you for coming back with the second portion. The second problem with the real return bonds is their yield, and again I go back to the original basic equation of a pension plan; the net contributions plus investment returns have to equal the present value of the future benefits paid to the employees.

Finance committee  We have a thorough review on a tri-annual basis at the same time as the tri-annual report from the OCA. But we also do reviews every year and recommend courses of action to the board. So it is reviewed on a very regular basis.

Finance committee  There are some problems in being invested 100% in real return bonds, or bonds. The first problem is that there are probably not enough of these bonds available right now. If you were to sum up all the pension assets actually being managed in Canada, you would be somewhere in the vicinity of $1.5 trillion.