On that very point, I made a note here as you were speaking--and it was brought up earlier--about lump sum payments. You were expressing the view that it's not appropriate and that you need a pension that goes on. Again, through our witnesses and analysis of this charter, we've heard testimony that says the opposite. Some people do benefit greatly and want lump sum payments.
I would suggest to you that for certain people in certain circumstances, a lump sum is totally appropriate, because they've expressed that to us. To exclude that possibility for those people would certainly not be very acceptable to them at all. I'm wondering what your thoughts are on those situations and how you would deal with those people.