Yes, indeed, in the best times, we need to increase reserves, thus to increase this 10%, because we realized that 10% was not enough during periods such as those we've experienced. It's good for the plans in place, but I believe you have to go further to try to find other models.
This 10% or 20% is good for the models we currently have, but there are also other ways to lower the risks associated with pension plans which would also replace an increase in this 10%. The legislative framework should be changed to add other ways of preventing deficits. So we should find other methods, but the 10% should definitely be increased.