I would say the dramatic increase in labour force participation and employment rates among older workers is an indication of a number of things. There's greater educational attainment, especially among women—I don't think it's an accident that most of our panel is women—as well as greater opportunities. There is also financial insecurity associated with the long decline in pension coverage, as well as the fact that the age group taking on debt at the fastest rate is older Canadians.
There's a mix of financial insecurity as well as opportunities that are leading to prolonged participation in paid employment.