Those are on individuals; this is a group. The points I've brought forward, all those things that I've put forward, exist right now within a defined contribution pension that's regulated by a province. All the characteristics already exist under the pension legislation. What I'm suggesting or recommending is to allow those same characteristics within a group RRSP. They work right now in a DC plan, a defined contribution plan, regulated by the provinces and the federal government. I'm asking that they also work within an RRSP.
