If I can shift from the international to the domestic, we've introduced a number of measures, but as you yourself have said, this is a phased approach and we will look at gaps where they exist.
I want to ask you about seniors. I've had a number of seniors reach out—constituents who I know personally, in fact—who are very worried about their retirement security. Seeing what's been happening on the markets, it's pretty obvious why. Do you have thoughts on that and what we would consider potentially looking at in the future to help seniors who are really wondering about their future stability in their retirement years?