Great. Fabulous. That clarifies that.
I want to go back to the recommendations and ask you a question about them. They appear to be very similar, in fact the same, in all of your presentations. On the one hand, I think that's admirable. Obviously you've done a tremendous amount of work in working together to come up with these recommendations. However, I want to talk about the gaps within the liability framework. Do you believe this pooled fund, then, will address all the gaps you have identified, or are there other gaps you've identified that you would like to speak to today?