I'm sure you have as an organization, but these questions are designed to get you thinking as policy-makers about whether we're going to head that way and what the actual ramifications are. This gives you an opportunity to put that in writing for us. I'd appreciate that.
My final question is for our life insurance friends, and it is just because I don't know it. The multi-employer pension plan that you're recommending as an option, does it exist already in this jurisdiction, other jurisdictions? Do you have any sense of limits in terms of how many employees or employers can be involved in that kind of issue? Do they have to be solvent and all those kinds of things? Just tell me a little bit about the plan, because I don't know anything about it.