I'll answer that question in the context of your initial comment about the senior population and employers potentially backing out of coverage there. We have seen that, not so much for the people who are are over 65, because in Alberta you get pretty good coverage under the coverage for seniors program, but we have seen that as it relates to early retirees. With our legislative mandate, we're there to help promote the health and wellness of Albertans through all stages of their lives. Right now we are designing plans for the employer groups as well as the individual market for those individuals who are retiring off their group plan to provide them with options for coverage when they're early retirees without coverage under the coverage for seniors.
To your second question about whether we are seeing scale backs in coverage in general, I would say, given the economic situation in Alberta, that we are having some challenging discussions with employers. They see their benefit line as a cost on their budget, and they're making some tough decisions about whether they have to scale back on the benefit coverage or potentially lay off employees. I have been in those discussions. We do everything we can to try to get the cost of those benefits down so that they can stay on it, but tough decisions are being made by those plan sponsors.