I can take the question, sir.
In terms of retirement savings, they have been affected by a lower rate of return, as has every other Canadian, potentially. That's affecting them.
In terms of the cost of living, although inflation has not been very strong, some of the components of the cost of living, such as food, have been quite strong in terms of price increases, so they have been affected by that, and I would say more than maybe the rest of the population, which sometimes uses more transport. For them, the cost has been going down because of the drop in the price of oil and gas.
Overall, I would say they have been potentially more affected on the price side, and again, affected generally on the rate of return. In terms of what the government has done for those seniors who have to take part of their retirement income out of their savings account every year, early in the year it reduced by 25% the amount they had to withdraw from their account, which helps them preserve more of their savings if they didn't need the income for this year.