I'd answer that question in two ways. First, I think it's important to look at the relationship between pension solvency rules and insolvencies. I won't trump my finance department colleagues, but just to state what our approach is federally, we have extremely stringent pension fund insolvency rules to prevent exactly that moral hazard.
We require federally regulated pensions to be funded 100% on a wind-up basis, which means there is enough money in the kitty, should the entity go insolvent, to be able to pay out their requirements. That's not the case in all provincially regulated pensions, so that's one way we deal with that.