I think clearly the PRPP will be some kind of a DC plan, and under a DC plan, you share the risks. The difference in the PRPP plan is that unless an employer wishes to contribute—and hopefully most employers will choose to go that route—it will be simply the employees. That's why we're adding the features. We're asking to look at the fiduciary duties, especially in the discretionary investing. I can't underline that more. Take the choice of investment away from individuals—they make very bad choices—and leave it with experts to look after the numbers and everything. I think that would really help reduce the risk the most.
On March 1st, 2012. See this statement in context.