Certainly what we heard, too, is that the capital component is most complex.
Mr. Thomas, to move toward pensions, I always remember a conversation I heard as a fairly young adult. I think there was a teacher, a physician, and someone who ran a small business. Certainly the physician was complaining about having to take care of his own retirement. The teacher was making comments regarding both his wages and retirement, having a defined benefit pension plan. I can still clearly recall the small business person indicating that of course he was paying for both, and was struggling.
First of all, in terms of defined benefit programs, how does the federal government pension plan compare to municipal or some of the provincial public service plans?