I'll be very quick, Mr. Chair. Thank you.
I have all kinds of questions and I thank everyone for being here, but I wanted to pick up on Ms. Reibel's comment about the U.K.
We just heard recently that the original cost of this U.K. voluntary plan was 35 basis points. Now, apparently, the minister that's attempting to put it together is saying that they need about eight to ten more years to do this and, oh, by the way, it's going to be 200 basis points higher. So while Mr. McCallum is saying that's a wonderful idea, who on earth is going to pay for that?