I think we are supportive of five to seven years, and the reasons are these: It's about two valuation cycles for a pension plan. It would allow for pension sponsors to renegotiate whatever lending agreements they have, renegotiate collective agreements to the extent they have to in order to be able to continue to access capital on a seamless basis, and then to do the windup, if they need to. It takes 18 to 24 months to wind up a pension plan, for a variety of reasons.
With all of these things taken together, we think five to seven years would give an appropriate amount of time to adjust.