Yes. I think the way to answer the question is, first of all, to say that we know for certain now that the post-war period—the 1950s, 1960s, 1970s, 1980s, and 1990s—generally was a period of relatively high economic growth. There was some inflation, but it was eventually controlled. It was generally a good economic period to live in and to be retired in. There's a whole question now as to the next and future decades with the changing demographics and the lower growth expectations. I think all of us are in for a riskier time. Then the question is, within that reality, which groups are most vulnerable?
I think there are two ways of answering the question. One is in terms of the whole poverty line question that we've already had. Are more people going to fall below that line, and what do we do about that? But I think there's another sense that is very important. Again, the Nortel case is a classic example. I think we're going to end up with a significant number of workers who are doing relatively well and who, for whatever reason, believe they're going to have a good retirement at an early age but are wrong. There's going to be some set of circumstances where either their company fails or they don't get on the savings track, and they're going to have a significantly lower standard of living than they thought during their lifetime.