Mr. Lawrence, maybe I could answer on behalf of the ACPM.
We did poll our members. Some of Canada's largest defined benefit pension plan sponsors are included in that group. We asked them this: If Bill C-228 made their access to capital more expensive, what would they do? Over 40% of them said they would wind up their defined benefit pension plan. That is based on our membership. Anecdotally, I can tell you that it is backed up with the conversations I'm having. I cannot think of a more direct way of killing defined benefit pension plans in the private sector.