As you note, there has been a shift from DB to DC. People have been increasingly using their RRSPs as their primary retirement vehicle, which are more dependent on market returns and the market context. In terms of whether we are looking at a serious reversal in the shorter term, I would say I don't see anything in what we've seen so far that would indicate that. There are increased pressures, obviously, facing workplace pension plans, but in general the solvency ratios have picked back up a bit recently. There's a fair bit of stability still in the system, in terms of those who do have a plan, and as I noted, women are more likely to have that DB plan now.
I'll leave it at that.