Feedback from stakeholders is favourable, for the most part. “On the whole, pension regulators have been sensible and reasonable,” says Gavin Benjamin, partner in Morneau Shepell Ltd.’s retirement solutions business. They’ve been responsive as well, which could help account for the positive reviews. “Regulators have been very engaged in consultations with stakeholders,” says Andrea Boctor, a pension partner at Osler, Hoskin & Harcourt LLP. Hindsight (on 2020) is 20/20 Indeed, experts recognized the unfairness of using hindsight to evaluate decisions taken in uncertain times and fluid conditions. Still, opinions vary somewhat depending on the performance of individual regulators and regional sensitivities.