This is the last question I have, but my colleague might want to follow up on it in the second round.
In many ways, I think what you have come to us with alleviates some serious concerns we had, but now the other concern is the effect on third parties, mainly family members.
Obviously, when we talk about pensions, people immediately think of spouses, but there can also be other family members, such as children. We all believe, I guess, that children should make their own way in life and not rely on parental pensions, but there may be some children, say with disabilities, children who for good reasons are taken care of by the parents and for whom a pension would matter.
I'm wondering if we could talk some more, and maybe not only in my session, about what safeguards you have in mind for making sure that the purely innocent are not affected by this, or at least if they are affected, that we have done it with open eyes.