I just have two points I'd like to make.
First of all, Mr. Laver talked about the issue of all of the legislation being put in place to change pension laws. That is all federal. That's 7% of the pension funds in Canada. It doesn't affect us one little bit. It doesn't affect one private pension plan. They're all federally-regulated plans.
On the issue of retroactivity, I did a lot of examination of the retroactivity of laws, because when I had a meeting with Minister Baird, he indicated to me that it has never happened, or it couldn't happen. Well, in legislation, the only way retroactivity is not allowed to happen is in criminal law. Even though the Supreme Court may have made some rulings on some previous legislation, there's no reason in law why they can't make this law retroactive.