There's a whole equation that comes in when you're dealing with the guarantee of income for our regular members when, due to circumstances, they're unable to fulfill their duties. There's a complex equation in terms of disability pensions and Great-West Life insurance issues. When people hit 65, it mutates into something else.
So it is a valid point that you raise: when they hit 65, they take a hit. Is it a concern? Yes, it is a concern. But you're really getting into the issue of an insurance question more than a pension question--