I'm sorry, but my time's just about done, so I'll be quick.
We talked about pensions at our last meeting. Some folks were saying that we should go back to the youth unemployment question, but would you agree with me? I think pensions are related, especially as someone who's part of that generation. In the sense of youth unemployment and the long-term impacts, those two-tiered pension systems play into that economic environment that creates more of a negative attitude. Is that a fair assessment?