For disability and survivor benefits, that's what's being discussed in some of the documents. For example, a document that I have here, Toward a Stronger and Fairer Québec Pension Plan, published in 2008 by the Régie des rentes du Québec, put forward some alternatives.
What I'm saying is that at least we have to recognize that it will be a major shift in our public pension system. It's fine if QPP and CPP take two different paths. The replacement rate from QPP could be lower or higher and it doesn't really matter, or the contribution rate in QPP could be significantly higher than elsewhere in Canada. I'm just saying we have to recognize that's a potential problem and an issue we need to discuss at least.