It matters which formula you choose, and we went through this and decided there are probably three different ways you can solve this problem.
The first way is just to update the formula to something like one over 95 minus your age and maxing out at 15%, and that would solve the problem today, but it wouldn't solve the problem tomorrow. So you'd want to update that at least every five years.
Another option we believe is possible, the second way, is an indexed annuity option whereby you just use annuity rates every year to set the payout for the year. Of course, annuity rates change with life expectancy and interest rates, so that would never have to be adjusted other than changing the number every year.
The third way is a dynamic RRIF model whereby the payment you have to take out is a combination of your capital payment and then you have an earnings component on there, because we believe there are two different types of RRIF investors: the GIC-type investors and the market-based investors. We're trying to figure the best way to equate both of them.