I'd just like to add a comment. I'm on the investment committee of the United Church of Canada. We're a governance body for the external management of the pension plan for the ministers and staff of the United Church. I want to make a point about corporate governance. I don't think it's appropriate for governments to give prescriptive rules on exactly what to invest in and what is denied and what should be the appropriate percentages. So I agree with the prudent man concept and that they be held to account in a court of law for negligence for not following that concept.
But I do want to make an observation that the corporate governance of the major pension plans of Canada, and particularly the public plans, have been stocked by corporate executives, bank executives, consultants, and individuals who have been in the same club, who seek to have the same high compensation in their own organization. So on a reciprocal basis they've been extremely accommodating on the part of the compensation consultants to permit the pension fund managers to be paid like chief executive officers. We're got problems in both the CEO market and the pension fund market in that regard.