I'll defer a bit to our colleagues at Veterans Affairs.
If you're speaking generally to pension plans across Canada, there are different forms of pensions, which provide different types of guarantees in benefit payouts, both for members and survivors. They're more or less consistent with what the public sector plans offer though. There are different forms that provide, as I said, some forms of guarantees. Often, those guarantees come in the form, much like our optional survivor benefit, of a reduced payout initially.