I think the question you're asking is.... In the case of the current system and maternity and parental, we reduce Quebec's rate by equivalent to 90¢. Is that what you're saying? Or, we're compensating Quebec by a rate reduction of 90¢, so that, roughly, is an indication of how much it costs to provide maternity and parental benefits, that 90¢. I think what you're saying is “let's take that number and translate it for the rate for Quebec”.
I think you have to take into account that in the case of that rate reduction we're talking about a non-voluntary system. The rate reduction, the 35¢, which, if you do the math, works out to about 90¢, takes into account that this is a non-voluntary system where the risk and the clientele are very different.
I think there are two major differences when you look at the types of individuals making sickness and compassionate claims in the context of the voluntary system. First of all, you're going to have some self-selection. Those people who think they may benefit will be more inclined to join. That's true with any voluntary insurance system. The second thing is that in the case of the employees generally, in many cases when they go to make a claim when they are sick, they first turn to their employer, and their employer provides that type of benefit. So it's a claim more of last resort; that may be one way to articulate it.
So what you have is a very different cost structure when it's a mandatory system with a very different clientele, and so--