Thank you for that. Again, if I can venture further, if it helps at all, I also come from a financial education background, and in fact a big part of my job when I was in HR was educating people about what their paycheque was about, including the pension payments and why they saw deductions at source of different amounts at different times. It's a huge opportunity to inform people and help them to keep track of their own personal situation.
That said, the employer does have that responsibility to make sure that every transaction is properly done and that adjustments are done in a clear and transparent manner. Can you please explain to the committee in detail how those adjustments are going to be put in effect for employee T4s, insurance premiums that may have been overpaid or underpaid, pension payments, especially as pay systems, like the people who are being paid, are not in a static situation and are constantly moving and evolving?