Is there not an argument to up the long-term above that 40% to 45% right now? The two-year U.S. Government bond has almost doubled in the last five months. We know interest rates really can't go much further down than they have, and there's plenty of upside. Therefore, if we're all in the gambling business, we know that we bet on higher interest rates over the medium-term and long-term. Would it not be wise for the future of Canada to lock in, just like Canadians lock in when rates are low on their personal mortgages?