To answer your last question first, not every province has a pension benefit guarantee program. I think one that most members would be familiar with is Ontario's. That would cover approximately 40% of the registered pension plans across the country. The pension benefit guarantee program for Ontario, roughly speaking, would insure up to the first $1,000 of lost pension benefits. That's a rough calculation; the precise calculation takes an actuary to fully understand and appreciate.
Those calculations and those insurance benefits are not explicitly included within the sensitivity analysis. Because again, from a legal perspective, when we received advice on the bill and when we looked at it at the outset, we didn't actually see clear language as to whether those benefits would be included or not.
But I'd like to point out that even if you include the 40% of the plans covered in Ontario, although the numbers would diminish somewhat, you'd still have an annual range of approximately $6 million up to maybe $25 million.