The short answer is yes. I'm not an actuary, by any stretch of the imagination. But I think there have already been moves by this government and those of other countries—as much as it makes me cry—to think about extending the age of retirement. In the United States, as you know, it has gone to 67, which will be implemented in just a couple of years. They announced that several years ago. The OECD asked all the OECD countries about eight years ago to consider moving the age of retirement to 67.
The other thing I would say about retirees is that many people leave their organizations but they don't leave the labour market. So there are ways to access that talent and knowledge and deal with some of the pension issues you discussed. I'm not an expert in that area, so I hesitate to go too far down that road.