For the Teamsters, our experience is more in multi-employer, direct contribution plans. We have a chunk of our membership in DBs, which we dearly want to protect.
I think the PRPP, if you look at our fiduciary duty that we're talking about, would give the biggest protection versus an RRSP. In other words, you would be having professionals looking at the age groups and the people in there and starting to shift over to different types of products or investments. The larger the plan, the cheaper the cost should be. I don't think the cut will come from competition. If we had competition now, our RRSPs would not have the highest MERs in the western world.