I'll hand it over to Diane in just a second.
In terms of balance, from an OECD point of view, there are studies out there that basically show certain countries doing quite well, where in bankruptcies the pensioners do get priority protection. In other jurisdictions, where there's no such clause, they have tremendous pension benefit guaranty funds that look after the employees.
In the United States, the land of free enterprise, $54,000 a year is what the United States government, in the pension benefit guaranty fund, guarantees to pensioners. In the U.K. it's £28,000 a year. In Canada, Ontario is the only province that will do it, and they're talking about doing $12,000 a year. So 30% of our constituency will get nothing because the other provinces do nothing.
Again, yes, it's a balance. It's a balance in terms of what the capital markets expect. Certainly, from an OECD point of view, it's an accepted policy.
I'll hand it over to Diane.