We've all seen those cases in our ridings.
My second question will be for you, Madam Ziomecki. One thing struck me in your report. You mentioned that once a person has retired, the person will have a cash flow problem after 10 years. Can you elaborate a bit more? Normally when you plan your retirement, you feel you're good for a while. Why is there this 10-year debt wall, if I can put it that way?