I'm trying to finish my point, and it just keeps being interrupted. The comparability between jurisdictions needs to be normalized so that the reader, the user of that information, can actually find usefulness in the information across years, across asset classes and across contribution rates. Then there's the fund's overall performance and also the statements that the pensioners themselves would receive based on their own individual position.
These are all very important aspects, because we are talking about a paradigm change when it comes to some of the assumptions in the pension industry. There could be lower returns, different levels of inflation and different interest rates, and people could be living longer—with longer life expectancies—working longer and taking a phased retirement rather than just retiring at whatever age that may be. Of course, there are higher costs, because, for example, food costs are not factored in the CPI, and the inflation numbers that might be referenced are outpacing the rate of inflation. Of course, retirees who depend on the CPP still need to—