I'm not as informed as you are about other areas of the world and the depth of their pension programs. I know, as I explained earlier, that for our members $11,000 for the average business is quite a bit of money. I know it doesn't sound like a lot, but if your margins are 3% or 4%—which many of our grocery stores, hotel operators, or you name it have at the end of the year—and you need to cough up an extra thousand dollars per employee on average, that's not money that comes from thin air. The business owner has to come up with it.
On November 15th, 2016. See this statement in context.