I think the recent experience of pension plans has led many companies to take a good look at the risks they are running with the pension plan and to better manage it. For sure, it is good news, as you know, that the stock market returns have had a positive impact on pension plans. The stock market can go like this. It can be volatile. Interest rates can increase and can decrease, and that also has a major impact on plans.
We would be encouraging people to increase their ability to manage risks in those plans, be very aware of how much risk they are taking, and manage that risk so people aren't surprised in the future if stock market returns don't turn out the way they hoped they would turn out.