That's also a choice. The same product is being offered. We go through financial institutions that offer this product. So a market exists. I'm not comparing the costs of RRSPs with the costs of a plan like the one you've proposed, but I'm talking about administrative costs, regardless of the RRSP. Of course there's a change, but these costs are higher than what we could get in the public sector.
I also wanted to come to development and where we want to go with that. What guarantees are there with respect to participation?