We proposed $15 billion. We came to $15 billion as being the excess cost of higher unemployment during a recession over the average cost of the program. That's approximately how we came to $15 billion.
By the way, I think we support all the transparency features that are in Bill C-50. It's a great step forward. On the other hand, I think we might all gain by looking at the $54 billion and seeing it as something that is twofold. It contains what I would call the actuarial reserve. That's approximately $15 billion. That's the money needed to stabilize the program over the long run. Then it contains $39 billion, or whatever. That is the result of a decision made several years ago, a decision not to charge the premium rate recommended by the chief actuary. This was a totally different decision. From my point of view, it's a totally different issue. So within the $54 billion we're dealing with two different concepts.