Thank you for the question.
Basically the difference between the DB and DC plan is that the DC plan has wages. A DB plan has wages too, but in the DC plan, of course, it's the sponsor and the workers contributing who bear the risk.
Now I'm very proud to say that the Teamster's fund is 100% funded. It was 100% funded in 2008, 2009, 2010, and it's fully funded now. Clearly we're doing a pretty good job.
The biggest problem we face is trying to get new members or new groups in. It's a constant battle with OSFI and with the regulators. They make it very difficult.
For example, we may find a new group of workers. They come into the Teamsters. They join the Teamsters, and we'd like to offer them a pension plan. Of course, we would like them to come into our pension plan, which is 100% funded and well managed.