Well, Chair, I'm just using the government's own number. It doesn't cost anything in the first couple of years, or it costs very little, because you don't get an upfront deduction. In effect, you get to put your after-tax savings in and then any income from capital that you earn is tax free forever.
So when it's going to get costly is 20 years from now, or 10 years from now, and I think the government itself has estimated the cost 20 years from now is somewhere close to $3 billion.