No.
On the discretionary investment and removing all choice, I understand the point you're making there. I think it's going to be really important that there be criteria and that administrators think hard about what is an appropriate default option for those people who don't make choices. But as I understand it, the proposal for the PRPP is that there would not be a lot of choice. There would be, we're hearing, perhaps three, four, or five funds that are offered in addition to the default one, so just enough that there is some variety, but not enough to overwhelm and not enough to make it costly.