I'd like to finish with a question, and hopefully Mr. Kershaw and Ms. Vipond will have time to answer.
It starts with talking about health care and the massive costs of health care, as you say largely due to the older demographic. From what I've been reading—and we talked about this at breakfast—the reason that Canada is not performing as well compared with the top performers in health care in terms of the results we get for the bucks we put in.... If you look at the ones that are doing well, Germany, Denmark, Sweden, and Norway, it's their investment in young people that makes the difference. That's what drives the cost of their health care down. I just wanted to see if you could comment on that and if you have any figures.