Significantly, our members are telling us that their clients are basically affected by the uncertainty created not only by those rules but also by the economic climate, the trade negotiations, and so on and so forth, and the changes to the taxation system in the U.S. Basically when people are looking at the future, right now there is so much uncertainty that not a lot of investments are being made in Canada, and some of them, who have the luxury of looking at making investments, are looking elsewhere, in the U.S. or Mexico for that matter.
It's just creating a very difficult climate currently. Inasmuch as some people are affected, as you said, they are either considering retirement or making investments elsewhere.