Thank you.
With reference to the defined benefit plan, we've heard a lot of contradictory testimony. It's very clear that the defined benefit plan is a superior plan because of the reduction in risk, but there has been this argument that it creates an unacceptable or difficult burden on the employer.
Yet when you talked about the public service plan, you talked about the fact that back in 1999, the government took $30 billion out of the surplus. From this discussion about the defined benefit plan being very rich in times when the economy is decline, it would seem to me that if the employer might find it very difficult to meet the obligations of the defined benefit plan, then the protection of the surplus would go a long way toward ensuring that those ups and downs are covered, and that the superiority of the defined benefit plan is such that we should be pursuing that kind of area.