First off, we received the proposal contained in Bill C-45 . In some ways, it's a fairly easy change to make because the total cost of the plan stays the same as far as we're concerned, except for new contributors. That cost, however, will materialize over time.
For the first five years, then, the change affecting new contributors isn't as significant as the change in the cost-sharing ratio, which will go from 35/65 to a 50/50 split. We carried out the evaluations that were asked of us.