In our particular case, the example I gave was of an unattached older woman; consequently, there is no income-splitting there. As a matter of fact, that's the problem, that they are relying only on their own particular income. Many of them, for many reasons, have not even asked for the pensions, or half the pensions, that were due them.
It was a different mentality at that time, and unfortunately for them, they're paying the price for it right now. Had those rights, that are theirs, been applied for, they would been in a much better situation today.
In some of these cases, the couple has divorced, and the woman has never claimed what was rightfully hers. I think there's a sensitization aspect. It's very hard to try to convince an 82-year-old or a 74-year-old to go after the guy, that they're entitled to it. She'll say, “Oh everything's all right,” when she's living on $12,000 a year. I run a seniors home, and I've had that experience. It's a very hard barrier to break. They're still madly in love for whatever reason, and want to let things lie. I don't think we'll be able to change that.
That's why we're recommending that if this were automatic, it would resolve so many problems. An 82-year-old doesn't want to start a new conflict, either, especially in that particular field. So that's the nature of our recommendation.