This is a very good question. If you picture it.... Let's say we have a lot of companies that have come through the pandemic and, of course, the stock market has been a bit volatile and there's been the war in Russia and Ukraine, etc. Let's say their fund has become insolvent. They can find a third party insurer to transfer the risk to. This is something that would make creditors more confident that they aren't going to be on the hook. I think it allows the time that's needed to transfer money into the fund until the pension fund is solvent again.
I think this bill allows for that kind of balanced solution that gives a mechanism to fix it. It gives time to fix it. There is an opportunity and mechanisms that already exist to transfer the risk or cover the risk, so that would address the creditors.