To date, yes. In any discussions we've had, yes, there has been some concern. There is also the similar concern with private insurance, which is not the jurisdiction of the people in this room, but it is a similar issue. As they've raised the retirement age or taken away the retirement age, many long-term disability programs don't allow somebody to collect past the age of 65, even if they're able to work past 65 and they may still be getting sick after the age of 65.
Yes, the OAS is an issue. It hasn't been one of the big areas we've been discussing yet. In our work specifically, in our other work with people with HIV and related co-morbidities of HIV, we've heard this many times for people who have not been able to save enough money to retire with any kind of income security at all.
Thank you for raising that. It is definitely something we've heard about but haven't yet pursued to any great extent.