Yes. I wasn't prepared to talk to the PRPP today, but I go out and speak to a lot of industry organizations about it. I think everybody is aware of the retirement security problems in Canada. I think one of the important things is the changing face of Canada's demographic numbers. Today in Canada there are going to be a thousand people turn age 65. That's going to happen every day this year. That's going to happen every day until the year 2029. I don't think we have any idea today how dramatically the face of Canada is going to be changed.
In terms of the world dynamics of retirement, I think more and more countries are realizing that the promises that were made on early retirement are not sustainable, and that dramatic changes have to be made. This week Ireland, for example, introduced a retirement at age 68.