That would indeed be an option. It would ultimately be for government to decide if it wanted to pursue it, but it's certainly one of the things we've looked at.
We have significantly increased the percentage of people who have opened the accounts, but we think there's going to be an upper limit to how far that goes. The negative option would be a way to not penalize a child if their parents had not decided to open this free account. However, that would be a policy decision for a government to take.