I don't know that it's necessarily an either-or question. I think there are going to be some issues on both sides. I'm concerned that, as I've mentioned, there is a six-month grace period in the contract when there are very few safeguards. I think that people are probably surprised at the level of how poorly they performed according to the call centre metrics and the other provisions they're supposed to be following.
Without getting too speculative, I think there are definitely significant shortcomings that happened on the part of Canada Life. I think, relative to the contract the employer signed with Canada Life, there's some bearing there of why we're in this mess.