I have a quick point of clarification.
The CDR recommendations go to the participating plans, and except for—In all of the provincial plans, the only people who are really cover most of them are seniors and people on social assistance. The vast bulk of Canadians have private sector plans. So when we're talking about CDR recommendations, it's low-income seniors who are most affected by the decisions taken by CDR. Since Quebec is not participating, I think they have a far better program in Quebec than they do in provinces like Ontario or in Atlantic Canada.
I wanted to make sure you're clear that we are talking about a small group.