Thank you very much for the question.
There is a lot of detail on pages 21 and 22 of the annual report. Since you have the annual report, it is probably too much detail to go into today, but essentially the additional CPP is more of a fully funded pool of capital versus the base CPP, which grows into its liabilities over the long term. It's a sustainable fund but it is not fully funded. That means that for the additional CPP, the investment returns and the funds available for paying the benefits are much more tightly correlated, so we should run a lower risk for that piece of the portfolio.
Therefore, we're going to run a lower risk for the additional CPP and we'll continue with the base CPP at the current risk levels.