As regards risk management, I fully agree with Nathalie Joncas. Everything depends on that, in fact. It is the cushion you build up through your pension plan that allows you to deal with the fluctuations that affect defined benefit plans. We need to rethink the structure of our defined benefit plans in order to be able to handle the kinds of crises that we have experienced.
We really have no choice. Some steps have been taken. For example, I know that under the Université du Québec's pension plan, risk management and risk sharing between workers and the employer have been redefined to a certain extent. Some companies have introduced the concept of indexation. That is the case for the Régime de retraite par financement salarial. If things are going well and there is a good capital reserve, retiree benefits can be indexed. In terms of risk management, that is really quite an attractive option. For the time being, it's working.