The less risk taken in investment in the long run I think will benefit not just beneficiaries but also the companies and the policy goals of government. We had a lot of discussion today about the BIA Act, changing it to put it in a priority would be terrible and disturbing. I think that's the cart after the horse; the horse has left the barn.
I think if we have more confidence that we can create rules so that the solvency rate is at 100%, or above, or close to, that moving into more careful investments, more conservative investments, in the long run will benefit the good players in the industry. When they drive up costs—when people talk of costs, when they have to borrow money—if nine out of ten companies are in fact insolvent and one isn't, they should pay a price.
So I think the answer is yes, I think it would help in the long run, if it is part of a bundle of measures. It can't just stand alone; it has to be as a group of changes.