Yes. It's interesting.
First of all, I agree that some people want to work, and other people have to keep working to look after their own retirement in the absence of a savings vehicle like a workplace pension.
In Germany—and we're starting to study this a little bit more thoroughly—they actually have a long-term-care insurance plan. Again, it's a CPP-type instrument with mandatory contributions. Once you are eligible to start receiving the payments, they're quite substantial. They are paid to the care recipient. And depending on whether you need moderate or heavy care, it can range in Canadian dollars from $4,000 a year to $11,000 a year. You receive that money in cash in order to pay for caregiving, home care, and even long-term care. It's quite an extraordinary amount of money, but of course they are looking at funding it properly and having adequate contributions. When we look at the cost of care for a person, we have to look at 360 degrees. Is it just financial? Are there expenses, are there forgone salaries, are there professional services? All of these things are necessary.