Yes. I co-founded a company called CEM Benchmarking, which measures the pension costs around the world. We have very good data on global experience from a company based right here in Toronto.
If you take the Canadian numbers, for example, and divide them into wholesale and retail retirement savings--wholesale is CPP and all the employment-based pension plans, $1.1 trillion--the average cost there is 0.4% per annum. If you go to the retail sector, which now is the RRSP sector, then you get a wide range of experience, but the average experience is around 2%. So you do have this distinct difference between what I would call wholesale and retail approaches, and that's common around the world. You get the same kind of experience wholesale versus retail right around the world.