Thank you.
I'm going to take the next round as the chair. I want to focus on the issue of cost. There's obviously been a lot of discussion about the cost related to the PRPP. I'll refer all of us to clause 26 of the bill:
An administrator must provide the pooled registered pension plan to its members at a low cost.
Obviously, that's a general statement. Then later on, under clause 76, it talks about the regulations, Governor in Council, and under (j):
establishing criteria for determining whether a pooled registered pension plan is low-cost for the purposes of section 26;
Now, I noticed in your presentation, Mr. Benson, that you're very specific with respect to your proposals, and I appreciate that. But most of your proposals, if I understand it, would be in the regulations.
Perhaps, for the benefit of the committee, you could point out which of these would be in the legislation and which would be in regulations.