Let me try another issue. Again it's going to be in that grey area about your role, but maybe you can comment on it. It's on the issue of retroactivity when you apply for your CPP.
Right now CPP limits your ability to get retroactive payments to 11 months; the Quebec Pension Plan doesn't. Can you tell me if is there any kind of fiduciary reason, any kind of accounting reason, that people couldn't be entitled to their own pension, no matter how long it took them to apply for it?