Our bottom line is that there should be as universal, broad-based coverage as possible. How do you get to that point? In current economic circumstances, many more people have woken up to the fact that they must do something. So a well-structured voluntary vehicle might just get enough of their attention to make this viable. Without that, however, as we have found in many other things, including the current state of RRSPs, voluntary is not enough by itself. So we're not latching ourselves to the idea that it must be mandatory, but recognize that people must have options.
Nonetheless, research has indicated that if you have mandatory enrollment, even with an opt-out option, many more people would stay with it than if you made it purely voluntary. To some extent, I'm personally agnostic about it. Our membership is certainly evenly divided. They do feel there is a need for a supplementary plan. They do understand it needs to be fairly universal, that it has to reach a critical mass, and it has to be affordable. All of those things can only be achieved through that critical size, and if you can get to a critical size with a voluntary system, that would be acceptable—certainly to our membership.