That's a very good point. I should add that this occurs with some delay. Because of the way accounting losses or revisions occur, accounting adjustments for the prior fiscal year will be recognized this year, but they'll start to accrue as expenses in future years. They're amortized over many years. It actually takes the accumulation of many years of re-evaluation of future benefits to actually start to accrue changes on the expense line. This is a phenomenon that happens with some delay.
While interest rates are already starting to increase, the decline in the future and other benefits expense will also decline throughout time with some delay, relative to our projected increase in interest rates.