Thank you, ladies, for being here. It's very much appreciated.
Is it a general trend that more people 65 and older are continuing to engage in the workforce, whether it's full time, part time, or on contract?
We're starting to see a higher percentage of the population 65 and older who are working. Have you any more specifics around that? Do you have any idea of why those trends are moving in that direction? You have some of it in here, but is it more because people are simply deciding that they want to continue to work longer? Is that the main reason why we're seeing a higher participation of people 65-plus in the workforce?