What we make a point of doing, especially on these kinds of issues, which are complicated.... And as I said, I mentioned it earlier, when the prospect was doubling CPP premiums back in the mid-nineties, we did a very comprehensive survey and we did a huge education portion of that along with it. You know what? Our members said okay. They said “We'd rather do something else, but we understand the value of this. It's important to us, so phase it in over several years.” And that's what happened, and so on and so forth. So, no, it's of no interest to us or anybody else to ask a question that we don't get an accurate answer on.
One point I want to make very quickly is on something that really hasn't been discussed--it's been discussed a little tangentially--which is that a lot of the problems are at lower income levels. Because really, there are certain target groups that are the ones we really need to worry about; we don't need to worry about everybody. Lower-income to middle-income people are the ones who are likely to have the biggest deficit here in the private sector. We have a punitive income tax system, notably at lower levels. Really, if somebody can keep a bit more of their money, then they're going to be able to put some into a plan that they can't now. So don't throw that one out in your discussions either.