You indeed raised some of the difficulties that have been experienced in the implementation of the plans, but the two cases that you presented to us speak about exactly the two situations that were happening, the two types of changes that were happening at the same time.
The first one relates more to what the plan covers. This refers to the modernization of the plan, which had not been done since 2006 and which we did separately, meaning that we negotiated it separately and asked Canada Life to implement as of July 1.
It represents a new plan. Of course, it requires some training, and we understand that the previous administrator had 27 years of implementing the same plan.