Ms. Cameron talked about the funding of federally regulated plans. Those are well-funded plans, actually. The provincial plans are worse funded.
If you go back to March 2009, the typical funded ratio was around 65%, maybe 70%, or even lower than that. Had those organizations at that time tried to raise extra cash in March 2009, it would have proven to be too costly. They couldn't do it because of the massive deficits in their pension plans. In these cases, the legislation that we're talking about may have driven the company under and the plan members may only have received 60% or 70% on the dollar, whereas otherwise, if they had been able to see it through, they might have ended up today at 85%.