It does stretch one's notion of basic fairness here. Little did I know that you could actually invest with the Canada Revenue Agency and make more money than you would at the bank. That's a pretty interesting idea.
On the surplus issue with pensions and things of that nature, obviously you're addressing a real issue here. I think it's quite significant. The effect of these measures, as I understand them, is that you move the surplus up to 25%. So on a defined benefit plan I could carry 125% of my liabilities, from 110%. Is that correct?