Yes, I have seen a bit of a trend in that regard, but I think the cost of health care is a bit overblown, because disability insurance policies typically end at age 65. So that falls off the radar right off the bat, which is probably one of the more costly of the group benefits available to workers. That's also a function of provincial workplace safety and insurance legislation, which generally stops paying benefits at age 65, or in some provinces a few years beyond that if the injury happens after age 65.
So that social welfare net falls by the wayside, which does increase costs for employers. So I think the provincial legislation needs to be analyzed in a workers compensation area to recognize that people are working past age 65, so they can pick up some of the slack for older workers and the cost of maintaining benefits for them.