Right, but I'll focus on the 40 years versus seven years.
Somebody 55 or 59, as I am, would really like the seven-year thing, but does that not mean that if you go with the CLC plan, the younger people, the people in their twenties and thirties, are subsidizing people in their late forties and fifties? They've already done that once in the past. I'm not sure, in terms of fairness, if you want to have a massive transfer of subsidy from the young to the baby boom generation.