In terms of designing this program, I think right at the outset it was made very clear that the government had made a commitment to make this voluntary. I think the minister explained the logic that not everybody would want to sign up for this and that it might be considered just a general tax increase for a service that many people didn't want. So I think the work really did focus on a voluntary system.
Certainly we would have some very different numbers, I suspect, if it were done on a mandatory system, but right from the outset, our parameters were fairly firmly provided by the government to develop a system that was voluntary.