I'll let Mr. Sanger jump in as well.
I think the fact that ministers are working on more than one strand is certainly appreciated. Our priority is definitely expansion of the Canada Pension Plan. I think that still leaves room for private pension arrangements. There's no doubt that multi-employer plans have a lot of strengths over particularly small workplace plans, in terms of economies of scale, higher rates of return, and the fact that a multi-employer plan won't go under in the same way that smaller plans would. So we certainly don't rule out moving forward on that as part of a package of proposals.