No, I don't think it's stupid management at all. I think there are some problems with the system of funding defined benefit plans.
But let me throw out another idea. There was a lot of talk in both the Ontario and the Alberta-B.C. provincial expert reports on the notion of something called a target benefit plan. That may be the way of the future. A target benefit plan is simply a benefit that you're targeting for in retirement. As a Canadian who's contributing to that plan, you have to constantly assess where you're at and either adjust your expectations of what you're going to have in retirement or adjust your contributions accordingly so that you're constantly being forced to test where your benefits are. So it's kind of like a hybrid between a defined benefit--