Not exactly, because we haven't told you what the deduction amount is. If an individual chooses—and I'm a big fan of choice—not to participate in a plan that his or her employer has offered to him or her, that's the person's choice. I don't feel that it's my right to force that on a person. We found that many of the other countries that have offered processes similar to this have found that people will stay in. It's overcoming inertia. You have to—
