I just have a couple of things. First of all, when it comes to the CPP, as with any other pension or savings plan, the amount that you get out of it at the end of the day depends on what you earn and the risks that you take. The investment that a PRPP would make is exactly the same kind of investment you would make in a company pension plan, or in the CPP, or in the public service pension plan. They invest in the market. They are subject to the same kinds of risks. While the PRPP is not a defined benefit plan, it's a defined contribution plan. Essentially, the investment risks are the same.
Now, in terms of screwing it up—