The answer is that we really don't know, and I think that was discussed at the previous session. What we're concerned about is the unintended consequences. The reality is that it's during an economic crisis that the cost is going to be the highest, and that's the time when the employers who are sponsoring DB plans or simply employing employees will have the most difficulty obtaining the financing.
The real issue is that it may be an average, just as the average temperature in Ottawa is 10 degrees, but it's at the time when it's coldest that you need the most help, when you may not be able to afford it. Our concern with this bill is that some of the organizations that otherwise could restructure successfully may not have the opportunity to do so.