Our belief is that you should lower the percentage withdrawal that has to come from the RRIF and make it consistent through the life of owning the RRIF. Now the formula for under 70 is dramatically different from the age of 71. I have never quite figured out what was magical about the age of 71 but the percentage is a problem.
We believe there has to be some way of updating the percentage to make it more in line with what's going on in today's economic environment.