Thank you very much.
First of all, it's a delight to be here. I think these issues are hugely important to the future well-being of the country and its economic prosperity, both in terms of the macro economy and also in terms of individual well-being.
I think I'm invited here today because I've worked on retirement incomes in particular. Some of my work has been with David, so I'm not sure what David is going to say, but I'll be referring to some of that work.