Mr. Cuzner, unfortunately, I wasn't at the chamber, so I'm not aware of that work. I don't think I'm qualified to hazard a guess. I think we would need to look into that research. Perhaps it's an area....
I was referring to the 50% clawback associated with the GIS, not the OAS, just to clarify that. That is the guaranteed income supplement, as you know, for lower-income individuals.