When you say the surplus can be 150%, it's just like this one company I referred to that had 40% in the market. Given their demographics—I'm not going to mention them, but I question it—their investment strategy will be to maximize returns. That's what businesses do, and God bless them--we live in a free enterprise society--that's what they're supposed to do. But what you, as a regulator, have to look at is that beneficiaries are entitled to receive what was promised.
If it is wages, then why not just pass a law that says employers can take $2 or $3 an hour off your paycheque and use it for capital investment? Intellectually, it is no different. At the end of the day, we're better off to change the structures to figure out if, when, and how we can do it, so that whether it is good times or bad times, pensions are reporting that they have met—the only thing they have met is the requirements to the beneficiaries, not a surplus, not anything else.