There are two distinct points. Part of your question was about the trust structure, which is the one area in which we don't like to follow the RRSP and where we hope at some point the RRSP might change. Just to go back in history, I believe when the RRSPs were first set up, most individuals had a bank account. They didn't necessarily have a securities account. Therefore the structure was very much aligned with the old four pillars. Banks could issue deposits, insurance companies could issue annuities, trust companies—of which there aren't many around any more—could issue trust structures, and securities dealers weren't offering anything.
Now there are securities accounts, and well over one in two adult Canadians have securities accounts. They should be able to offer them without the cost of going through a third-party trust company to get the—