I agree exactly with what Dan said. I think it's important that through the PRPP there will be competition in the marketplace. There will be options that SMEs can have. If they find one that is not performing well, they can move to another one.
Again, I said earlier that we deliver a wide range of products to Canadians. Many of them are very low-cost savings vehicles, and I think at the end of the day they can compete very well with the kinds of options or prices associated with the CPP.
The PRPP will be a fairly straightforward and simple product. There will not be a wide range of choice, and that's one of the elements that will keep costs low.