Thank you.
I want to go back to where we are and where we might be going. We have an aging society. Budgets don't generally want to anticipate revenues, but they certainly want to provide for the expenses. The aging society is becoming a major area for planning and investing. I'm wondering whether, if you're going to suggest that we need to move into contingencies and other reserves like productivity reserves, we should also start to identify the significant priorities that we should commit to now, because you can't flip a switch in the short term. In the real world, it takes years. I'd be interested in your comments about thinking ahead.