Very good. I take issue with the way it was explained without having the other side of it, so I appreciate that.
I do have to say that when we're talking about the pooling of funds, I understand what you're trying to say about reduced administration costs. I know you were continually interrupted, so I really want to give you the opportunity to explain how we maintain the costs at a low level. You continued to repeat yourself that it would be competitive, and the opposition continued to try to get you to say, we want a guarantee, we want a guarantee, we want a guarantee. Well, no one can guarantee that the CPP costs are going to be lower either. So I would like to give you an opportunity to answer that question without interruption.
Thank you.