Very well. Thank you. That's very important information, and we must keep it in mind during our study of the bill.
Mr. Montambeault, thank you very much. Your analysis was very informative.
I have two questions for you. I'll fire them off one after the other, and then you can take the time you need to answer.
Mr. Machin, from the Canada Pension Plan Investment Board, spoke briefly about the language and provisions in the bill. I think many people are wondering why the office will now have two accounts, one for the current plan and one for the additional plan.
In terms that the people following our proceedings can understand, I would like you to explain why the second account is more dependent on investment returns.