Thank you for the question.
We don't believe that there isn't an aging population. What we believe is a myth is that the aging population is primarily responsible for the increase in health care costs. We think that's the myth part, not the fact that the population is aging.
The cost increase due to an aging population is less than one per cent of health care spending, so we shouldn't be scapegoating seniors as driving the health care bills. That's what our point is on demographics, that there are factors driving the costs other than the fact of an aging population.