Thank you for coming back with the second portion. The second problem with the real return bonds is their yield, and again I go back to the original basic equation of a pension plan; the net contributions plus investment returns have to equal the present value of the future benefits paid to the employees.
The rate on the real return bonds...we're talking Canadian government bonds, obviously, so we don't have any company risk or whatever, of names and stuff like that, so it's really risk-less, inflation-linked bonds. Those yields now for a 25- to 30-year maturity are about 2%.
If you invest 100% of your assets into a 2% return, I can tell you right away that the contributions rate will have to go up in order to pay the future benefits. There is no magic in this equation, quite frankly. It's a give and take. So if you start from that point, that you cannot be invested because the costs to the contributors would be too much, it means you have to move into other asset classes that you hope will bring more returns and therefore maintain the contributions levels to where the sponsors and the employees want it to be.