If I could just quickly comment, Ian, you're absolutely right. Within BMO Financial Group, Canadians do have access to professional advice to help them make decisions on how to invest their money. When we look at the management expense ratios, we do not want to overlook the fact that BMO Financial Group is the only Canadian bank offering ETFs, which are a very low-cost investment alternative. Then when we go beyond ETFs, we also look at many other saving vehicles that don't have management expense ratios associated with them.
My concern with having voluntary CPP contributions being managed by external professionals is how do we guarantee that this investment management would be sufficient? Just look at our pension plans. Will they be too conservative and err on the conservative side? Who will make up these types of deficits? Will we be any better off?