Ms. Eng, we talk about not forcing people to retire at 65, but I would suggest that there are many people who have very limited opportunity to save for pension plans, whether they are in small business, farmers, homemakers, or whatever. When we talk about them choosing whether they want to work beyond 65, for many people it's going to be a fact of life that they'll be working beyond that. I just mention it because we discussed that earlier.
You also talked about Germany, and the kinds of choices when it came to caregivers and all of the other issues. Can you elaborate a little bit more on that, please?