I could answer a couple of them very quickly.
Unfortunately, we really didn't break the data down In terms of provinces, for this particular report. If it's something you'd like to see, certainly it's something we could prepare for you. It would be tough to talk off the top of our heads.
The numbers are fairly consistent across the country. You find that low income rates among senior women tend to be highest, surprisingly, in Quebec and British Columbia and lowest in Saskatchewan and Alberta. But the numbers are fairly close across the country.
In terms of the urban and rural divide, there are interesting numbers, in the sense that rural senior women tend to have lower incomes than their urban counterparts but are far more likely to be living either with their spouse or with their family. Very few rural senior women live on their own, so that mitigates that situation.
I think Dr. Stone would probably be the best one to talk about changing retirement patterns.