I think the assumption here is that we're going to have to work with the premiums that are available. Again, we have advocated that there should be a government contribution as a tripartite contributory fund. In the past, that is exactly what happened, up until about 1990. When there was higher unemployment, the government contributed. One could use different triggers for government contributions, but one of them is the incidence of high unemployment.
We're really talking about the management of the system and the decision-making about the system. The financing of it could be set aside as a separate issue, but in terms of the ability of governments over time to borrow those funds and not to put them back in, I think everybody's quite familiar with the numbers. Something in the order of $57 billion plus went out of the system since the mid-nineties. Arguably, we would like to see that money put back into the system.