I will start on your question about the challenges for those over 65, the older workers.
If we look at them in terms of existing employees, I think the employer is making sort of a calculation. There has to be a discussion with the employee in terms of how much longer, ideally, they would like to be working, or have the interest in working.
Then there's the calculation with respect to the investment in training that the employer is interested in making. There's that notion of continuous learning and the opportunity to keep upgrading your skills as your career progresses. That's in the existing worker.