That's right. We prevent that moral hazard.
On the second part of your question, though, if you were to start that on a brand new basis—if I were starting a brand new pension tomorrow—I think you're potentially right that the economic incentive to a lender would be to ensure that this pension was extremely well-funded, but we're not starting it at tabula rasa. We're starting with funds that already have unfunded pension liabilities, and they're in sectors and in parts of the country that are particularly hard hit.
The fear we have is that what ends up happening, instead of creating great behaviour around pension funding—even beyond what provincial regulators do— is that it calls a cavalcade of calls on loan, and that we push these firms into insolvency and liquidation more quickly. People would jimmy around with their loans to ensure they get paid, which is exactly what the insolvency system aims to prevent.