It's better to have experts than non-experts, and I'll talk about the Ontario Teachers' Pension Plan. Since its inception in 1990, we've beaten our benchmark by 2%. In this business, when you do that, it means you reduce the cost of the pension plan by 40%.
So you do need experts. A lot of these experts can be trusted, but last year there was not a market in which you could hide. The Canadian market gave you a return of -33%. This is something that happens. We know that over a long period of time.... And you cannot hide. Last year there was not a place where you could hide. Every market was negative.