With respect to performance, people need to be happy. The after-inflation rate of return at the end of last year was 5.8% over the last 10 years. It looks good. The target is 4.1% so we're ahead of target, but as baby boomers retire and they're going to have this need for cash, the thought is there's going to be a lot of supply of equities onto the market.
What's the forward outlook on sustainability of these returns, and how are you going to be managing the cash requirements to pay off pensioners, amounts that are going to greatly accelerate over the next 10 years?