I understand. Thank you.
I am going to ask the other witnesses the same question.
She said she hasn't compared, and yet, Mr. Burrows, you said very clearly at the onset that we have the most generous system in the world. I'd like you to expand upon that, but at the same time I would like you to tell us the consequences in the foundations world if we were to go to 8%. Again, I want you to take a moment to really explain why it's important to look at the big picture, not just one thing within a system.