Speaking broadly here for a moment, I would first say that it's unfortunate that the gold digger connotation is associated with this provision, because it's really not what it's intended to do. I think the restrictions on marriage after retirement were about aligning with family law and direction as to who would have rights to pension assets; wherein, family law would guarantee the rights of spouses regarding assets acquired during a period of marriage or common-law union.
As far as studies are concerned, we haven't done much work in this respect. There has not been much direction. Obviously, the question comes up from time to time.
The provisions offered under the plans are very similar to what's offered under most other Canadian plans. As we noted earlier, the optional survivor benefit is actually a more generous and flexible option that was added to our plan, and that doesn't exist elsewhere.