Absolutely. I think we can point even to recent examples with our national dental plan. There are some great things in place there where people had no coverage, so we did fill those gaps. However, thousands of our advisers have received thousands of phone calls and engaged in discussions with regard to the misperception that people can go ahead and cancel their plan and essentially replace it with the free plan, not knowing what is on that list of coverage and who it's intended for.
My own mother, who is turning 80 this year, got her letter. She was completely confused and figured that she would cancel her plan and have free coverage with everything included. Luckily, I'm in the business and could explain it to her.
It is a risk. There's a great risk to employers and Canadians. Thinking they would lose access to a longer list of medications when their health is stable on the treatment plan they have been prescribed.... Losing that access puts everything at risk. It puts the sustainability and health of Canadians and families and our workforce and productivity at great risk.