First of all, there is no money in the account right now, so we're adding $2 billion, so there's $2 billion more than there would be. Secondly, in the event that this cushion is used up in the event of a downturn, just like today, benefits would be backed up by the consolidated revenue fund and by the resources of the Government of Canada. But the one difference I think between now and the 1980s and times in the past is that the nature of the labour force has changed quite dramatically in Canada. This fund would certainly get us through a mild downturn like we saw in 2001-02, but there's reason to believe that with the demographics being the way they are, we don't face quite the same challenges today as we faced in the past in terms of job loss in the event of an economic downturn, because we have so many labour shortages today.
I'll give just one final example. In the past, economist experts would tell you that we'll never see the unemployment rate drop below 7%. That was called the NAIRU. The NAIRU was supposed to be 7%. The experts were all wrong on that. The nature of the labour force today has changed so much, and demographics are working against us--or for us, depending on how you look at it--in terms of there just being so many more opportunities for workers today than there have been in the past.