Just briefly, I appreciate the problem and the challenge. What's interesting to note is that I'm sure when you were an employer in that instance, you already had one pension available in the CPP. We all know the CPP doesn't pay very much, but what it does pay is secure. That's what I would emphasize. Yes, this creates an option, but it's really a savings option. Our view is that the take-up will be very low and the security will be very low.
On March 1st, 2012. See this statement in context.