We have increased our staff in this area. One of the reasons we've set up OSFI the way we have is to ensure that we can take action when we need to, have the kinds of people we need, and pay them what we need to pay them in order to do our job. That's part of my job--to make sure that happens.
We've been pretty successful over the past couple of years. Very few plans have terminated with losses. In many cases, we have dealt with contribution holidays, gotten money put into plans. We've gotten sponsors, even when they were terminating plans, to fund the deficit in the plan to that point in time, even though the legislation does not now require that--or the regulations do not now require that. We're dealing very actively with this situation. It's not for nothing that we've been called in public places the most activist pension regulator around. That's what we want to be.
We're still balancing things, because the plans have to exist, right? If we set the system so tight that everybody just terminated the plans.... They're volunteer arrangements, as you and I both know, so they have to be voluntarily continued by all the parties. A lot of what we do here is force the parties to recognize the problem and deal with it themselves. We can't always impose our judgment on that.
I'm pretty comfy with what we have. We'll keep adjusting it. We've had some success. We're going to continue to have some success. But this is an ongoing issue, and the responsibility is also on management, boards of directors, boards of trustees, union members, and so on in trying to resolve these situations.