I can't speak to the 3% rate. What I can say is that, in the 32nd actuarial report from the chief actuary, there are estimates with regard to having lower average rates. The chief actuary, in her report, provides assessments or scenario analyses, including if there are lower average returns. I'm on page 11 of the 32nd actuarial report. It notes some scenario sensitivity analysis if average rates are at 2.45% for the base CPP, and then it models what the assumed minimum contribution rate would be in that scenario. That would be for the entire length of the 75-year horizon that the chief actuary is looking at. There's also sensitivity analysis for if returns are higher than the 4.05% rate assumed.
