The legislation's regulations require regular disclosure to members in their annual disclosure statements about the solvency position of plans.
We would become involved and aware through several possible channels. We do our own estimates of what we think the solvency of plans is based on the information provided previously to us. We update that. Occasionally we will then say, oh, we think this plan is slipping into problems, and we'll go back and verify before we reach a conclusion.
In some cases, the information will come to us from the plan, from its regular filings. In some cases, the information will come to us separately. Then our involvement depends on the case. For example, if it was contribution holidays, where plans have slipped into deficit but they're still taking contribution holidays, that's permitted by the rules, but sometimes we don't think that's safe and sound. If we estimated the plan had shifted into deficit and was still taking contribution holidays, we went back to the plan and said, look, either you stop, or, if you don't stop, you have to inform all the members and there has to be a formal board resolution. Many of them stop. It depends on the case.