Well, the minimum withdrawal is once the RRSP has been converted into an annuity, into an RRIF, and the problem right now is that there's a formula that stipulates a maximum withdrawal each year. If that's removed, it gives a lot more flexibility on simply withdrawing the funds from that RRIF over a period of time. You're not caught by that minimum withdrawal threshold. You can take out more if you want, or you could take out less.
So it provides flexibility for a Canadian who's already retired, whereas the RRSP, the way that's structured right now, that limits the contributions that can flow into the fund. What we were suggesting there was perhaps replacing that annual constraint on contributions with some kind of a lifetime constraint that just provides a lot more flexibility for Canadians to contribute more in one year and less in another.