Well, there's nothing I like more than encouraging a sponsor to go to 105%. One has to recognize the incentives for sponsors. It may be the case that on a voluntary basis they'd be prepared to do it, and perhaps some would. I was delighted to see, for instance, that the rule in the Income Tax Act that required no more than a 10% surplus was actually increased to 25%. That certainly gives some room, if in fact they had an incentive to do it. I'd love to see that.
Nevertheless, as I mentioned earlier, if the plan is 98% funded, say, and the sponsor brings it to 100% funding, there's no obligation on the sponsor to go to 105%. If there is a market downturn and the plan falls into trouble and drops to 93% over a very short period of time, then we would have a long way to go, but if you had at least gotten up to 105%, the fall would not have been quite so precipitous.