I'll answer that question first. We know there are insurance providers that aren't going into the market the way it's structured currently and would go into the market if it were more dynamic. So if there were some kind of tax incentive to allow the purchase of a long-term care product, you would see an enhancement to the market, in our opinion.
As for which of the two solutions—and you didn't ask me that for the RRIF interestingly—but as for the long-term care, we think both have merit but the second one would seem a little easier to administer and that's taking the withdrawal out of the RRSP and using that to pay for long-term care.