Okay. There's some debate about whether the new pension will be better or worse than the old one. I can't imagine it would be anything other than worse, in the sense that public sector employees—and I can use this term because the same thing applies to members of Parliament—have what some people call gold-plated pension plans, whereas the norm in the private sector is decidedly not as generous. I think that's a statement of fact. It's a pretty safe assumption that the new pension plan will be less generous than the old one.
Is that a fair statement?