It has to be funded. It has to be separate from the books. It can't be part of your corporate.... There has to be a separate entity that's your pension fund, and it has to be funded.
Let's just look at what's gone on with Nortel with the self-funded disability. This was the richest company in Canada. To suggest that those workers who are now on disability should fund Nortel is shameless and despicable. Those people contributed to that company and its success, and the fact that they're now poor with no access to funds is completely unacceptable in today's society.