If I may, I'd like to add to that. It's very difficult to predict very accurately the precise rate in October or November that will be sufficient to cover all of the benefits for an entire year, from January to December. So while I'm confident in the capacity of my colleagues to predict, or the actuaries to predict, the economic conditions 12 or 14 months down the road, it's almost impossible to be bang on, to the cent.
So having an independent crown corporation that maintains a cash reserve and that has the capacity to take into account the surplus of the previous years in setting the rate going forward ensures that premium rate payers will, over time, pay exactly the amount that is necessary to cover the cost of the EI program--no more, no less. I think that's the great improvement in the creation of the CEIFB over the previous system.