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—
On February 16th, 2012. See this statement in context.