I think you're right in highlighting that, and that may create social difficulties that we can't quite appreciate right now.
I want to move on to Mr. Ambachtsheer--not that I don't want to carry on that conversation, but I've got a limited amount of time.
You raised an interesting question. You're dealing with the higher-end people, not the folks who have the ability to have a pension plan. You said half the workers have one and half don't. The half that does...you talked about a trust pension liability, the same liability others made reference to, I believe in the Netherlands, that sets up, if you will, robust capital rules. That's an interesting idea. If a company has a liability like any other liability, then it will have to provision on its books for that liability, and that will be disclosed up front.
Could you expand on that thought a bit more? I find that an intriguing idea.