Yes, it is.
That is correct in terms of the savings. I think that for a lot of the projects that are out there, we'll have to wait and see what the savings are. But this is something where the savings accrue over the medium to long term because you are making important investments in individuals. That's where that notion of patient capital comes in. But if you get it right, then you're not dealing with remedial social and labour market programs down the road.