If I could add a point, currently the Government of Canada is reviewing its research and development tax credits, particularly in the IT area. The life insurance industry has found it very difficult over the years to access these tax credits. The conditions for getting them have been such that we're just not perceived as providing leading-edge activities here. We're hoping we will get greater access as a result of this review to R and D tax credits.
On November 27th, 2007. See this statement in context.