Thank you.
I hope my more optimistic view of our future is realized. It doesn't, as you say, neglect the fact that we need to be planning for pensions in the future.
Actually, this is a question that I'm almost embarrassed to ask. We talk about CPP and QPP. What are the differences with QPP? I know probably most people here understand that QPP is administered in the province. Is it any different in terms of benefits or rates or...?