Thank you for the question.
I guess the first thing to say is that age 65, although the determinate of the definition of senior, does not mean that that person becomes non-productive and automatically a burden. I think that's an important one. Even with the Parliamentary Budget Office, they still continue to use something called an age-dependency ratio, which is dividing the number of 65-year-olds by those who are under 65, which suggests that anybody who is 65 is by definition dependent. That's the wrong way to look at it. We believe you have to look at actual dependency and actual disability in order to make broad public policy look a little bit more sensible. We don't need to be quite calling for a disaster because there is a larger population over 60 to 65.