The possibility does exist that the two could work simultaneously. There are two things that I would urge the government to explore.
The first is the associated cost of building such a plan within the government and the impact that would have on setting the fees for such a plan. If you look to the U.K. experience right now, you'll see that it is very challenging for them. They have embarked on a supplementary government-run plan and have determined that it's going to cost them considerably more. As a result, they've had to levy a 2% charge on every deposit that goes into that plan because it has cost them almost a billion dollars to set up the plan.