Mr. Chairman, certainly the introduction of a new pension plan requires a great deal of work. It's a complex undertaking, and if one hasn't done it before then, yes, it is going to be more difficult to do.
However, what we found was that the reserve force pension plan was introduced without coordinating regulation and policy development with the coming into force of the plan's operation. It was not identified as a stand-alone project. As I mentioned in the opening statement, no senior official was made responsible for it at the project level. As well, there was no master implementation plan that coordinated the development of the policies and regulations with regard to the delivery of the reserve force pension plan.
I think this contributed more to the situation we faced than the fact that there had not been a new pension for a number of years.