Thank you very much.
For Mr. Daniel Kelly, it's interesting that you talk about how the people feel in your organization, but I'm going to use the example of Singapore concerning pension plans.
In 1955, there was the introduction of a central provident compulsory savings scheme. It was expanded in 1968. In 1984, it was expanded again. In 1987, there was a minimum retirement sum scheme, again conceived as a fifty-fifty split between the employer and the employee. People didn't want it, but today Singapore is an economy that I think a lot of us can look up to. It came from the developing world into the developed, if not one of the top-tier countries of the world. It's great that we feel things, but sometimes we have to look to concrete examples based on data.
My real question, though, is that looking at the professionals, I fail to understand how it perhaps works. I've never seen a homeless practising doctor. I believe that in our society everyone should pay their fair share. We are citizens first and foremost, and last we are taxpayers. That means that as taxpayers we are citizens. I fail to understand. Does that mean a doctor has his small business—he pays 9% or 10% or 11%, or whatever the rate might be—and then on his income that he earns as a doctor, he will pay income tax on top of that?