I think that's my point. I don't know that there is much of a rationale behind it.
Essentially we're seeing a lot of retirement savings occurring through group RRSPs, which is a mechanism that was designed with individuals in mind. When we see an employer deciding whether to do a defined benefit plan, a true DC plan, or a group RRSP, one of the factors they may think about is that if they go with a DC plan, they save this 5% of payroll and this 1.4% of payroll. If they go with a group RRSP, which tends to be the smaller employers, because it transfers the administrative responsibility largely to one of the larger insurance companies or large institutional investor-type companies, they pay the contribution into the group RRSP, and they pay the 5% of payroll to CPP on the same dollars, up to 47%.