I have one final quick question to do with long-term care. On page 4, in the second paragraph, you say:
The longer one delays transition into LTC, the bigger the needs will be. In some cases, institutionalization is the only choice.
In some ways, I see where you're coming from there, but I'm pretty sure that in the Province of Ontario, they're committed to keeping seniors--if I can generalize seniors--in their homes as long as possible to ease the burden on our retirement facilities. Is that generally the way you see this? Let's just use the VIP. Is that generally the way you see it or am I reading backwards here?