I knew that Paul would give you a comprehensive answer, because that's his area.
The one thing I would flag is the fact that the pre-1945 generation is slowly becoming disengaged. I think it's really problematic, because they have a particular ethos. They have a particular way of engaging with the civic sphere. In volunteering and giving, they're very generous. The decline and aging of that particular generation and not having a subsequent generation with those particular characteristics you were talking about I think might be problematic.