Thank you very much for the question.
I'd like to differentiate between two separate processes that happened on July 1, 2023.
One process was the implementation of what was negotiated between the parties—the unions, the retirees and Treasury Board—to implement a number of changes to the plan itself. Canada Life was not party to those discussions and had nothing to do with those discussions.
The second change that happened on July 1, 2023, which is at issue here, relates to the change in insurance providers. Sun Life used to administer this plan, and on that same day, again, in a completely different process, Canada Life took over the administration of the plan. What we're hearing in terms of these problems relates to the administration of the claims and the delays in reimbursement of members' claims. On the issue of moving to Canada Life, this was not something that was negotiated. This was not something the unions were party to, nor the retirees. This was a change that was entirely under the purview of the employer.