That is one of our real concerns. We're currently in a period where employers who have workplace pensions, defined benefit plans, are facing difficulty. It's something they share with us, and we end up sometimes at collective bargaining tables, sometimes in other environments, trying to solve these challenges. In many cases they can be solved, but it is a challenge, and there is no secret there.
With this option hitting the table, our concern is non-union environments that still have pension arrangements. But even where there is a trade union defending employees, employers will see this as a very attractive alternative. There is no pension cost, so why not get rid of this workplace pension arrangement, replace it with a PRPP, and encourage the employee to contribute? You've succeeded in dumping all the risk and the cost on individual workers. For us, that's a real concern. This could be the first step toward destroying those workplace plans that have taken decades to build up.