Thank you.
Mr. Finnie, you didn't get an opportunity to comment on Mr. McColeman's comment about the pooled registered plan. I know you had indicated concern with RRSPs, with regard to the administration costs, the haircut you take on the moneys earned there. With pooled registered pension plans, we've heard concerns before about the administrative costs of that as well. Would you care to make a comment on that, or do you feel confident in making a comment?