I think I'll repeat what I said earlier, in the sense that the two, indeed, could coexist. Our view is that there's absolutely nothing stopping the country from enabling multi-employer plans and auto-enrolment and all those other things, and getting that going, because we really think that would help, and we should go ahead and just do that as a country.
As for the question of whether there's a supplementary CPP set-up, I think it could exist alongside, and I think you're back to the question—and I guess that's what you were all debating—of whether that is a good thing for the country.
One thing I would just observe on that--and it ties in to the earlier discussion--is that it's one thing for members of our defined contribution plans to not like the investment performance, but in a year where, for example, the CPP earns a minus-18%, which does happen, and you have a lot of Canadians in that one investment with one sponsor, I think that would pose quite a challenge.