With what we're recommending under the stretch, there would be no spousal pooling. We've had discussions with the Canada Revenue Agency and Finance about that, because we think it would be too complicated. So with regard to the stretch, it would have to be per individual.
Again, I think the people who will be interested in the stretch are interested in it because they really want to help a particular charity. They believe in what they do. As for wanting to wait and do something that would not be helpful to the charity, we may see some of that, but overall I don't think that would be the behaviour of most Canadians. We have, however, recommended that spouses be disconnected for the stretch.