I agree with you in that regard. It's not just two people; it's groups of 25, 30, 50, up to 100. How do you convince OSFI that they can come into a Teamster's plan? How do you convince them? We have $1 billion and we'd love to take them, but we can't. It's not just two or three or four. It's also for people who own the company, the self-employed. These are people who are owners. Why should we leave them to the travails of high-priced RRSP products and high-priced products when they can get something cheaper? We shouldn't kick them to the curb.
I think the CPP, over time, is the way to go, but there are whole groups of people like that who it would really help and I think make a big difference.