We did measure the impact of layoffs, for example, because we looked at those who retired voluntarily or quasi-voluntarily. We know now that at age 50, people voluntarily spend another 16.3 years in the workforce.
But if they are laid off—I don't remember exactly the number of years they lose, but if you add what you would lose if you have poor health, or if you lose your job, or because you have to take care of a family member, you lose 1.8 to 2 years. A study we released last fall was on the impact of involuntary retirement on health problems.