Thank you.
I have a question. Risk is one thing, but I think flexibility is what a lot of the people we've been talking to want. In particular, I'd like to start with the federally regulated sector. A lot of those people still would like to be able to work. Is it true that it's still the only area with mandatory retirement? If people want to keep working and then want to delay their pension.... My interventions have been from women who stayed home to look after their families and who now have a pretty modest pension. They would like to be able to keep working and delay that modest pension and have it accrue to be something worthwhile when they finally can't work anymore.
It just seems unfair that people working in your sector are still being subjected to mandatory retirement. But also, I think, people in lots of sectors would like to have the ability to delay their pension, since it's not added to their income, and then take their pension when they really need it; and hopefully it will have done well in the meantime.