Let me expand on that, if I could.
If we think about some of the risks going forward, there could be future pandemics. We're not through COVID yet, so we don't know where that will go, although we hope we're getting towards the tail end of the pandemic. There is climate change, and you spoke about that in your remarks. In my view, there is a risk of future wars, especially if the world doesn't effectively stand up to Vladimir Putin in terms of what he's doing in Ukraine, because if we don't, it could encourage others to do the same or Russia to do more of the same.
How significant, in your view, are these risks and others that perhaps we haven't faced in past decades to the same degree? How do you mitigate them? My constituents are watching this. How do they know that their pensions are secure?