Okay, but if the point was not heard, I wanted to make sure that I was not leaving out my colleague, who I think is very invested and involved in this and wants to serve Canadians well, as I do.
I'll just look at the demographic assumptions, given the nature of the pension system in Canada. For the populations of Canada and Quebec, with July 24 used as a starting point, the projected populations needed for the CPP calculations are the populations of Canada less Quebec.
Given the nature of how CPP works, we understand, but how the chief actuary gets this is that they look at projecting age and sex from one year to the next by adding births and net migrants and subtracting deaths. The annual numbers of births, net migrants—other than temporary residents, who are not factored into this—and deaths are determined by applying the fertility, migration and mortality assumptions to the starting population.
This is just demography. This is just population. This is one subset of this whole bundle of numbers on which we need to have accurate or somewhat accurate actuarial data. Even this one number has embedded in it several things that are highly subject to change. We saw births, for example, go up during COVID, with people locked in their homes—