No. Everybody gets the public pensions, provided they meet the conditions we were talking about earlier--that they've lived here long enough, and so on.
First, coverage of workplace pensions that an employer might provide is declining. Many women still have lower earnings, even though for those with university education the gap is narrowing. But remember, that's a minority of people. It's not a majority of women who have a university education. Many more do than did 20 or 30 years ago, but it's still only a minority. Women's earnings are still low and very often too low for them to be able to save on their own.
Second, there's still the idea that women must be responsible for families. Despite the fact that some men want to get involved in that, there's still not equal sharing of that.
Third, the fact that we have an aging population and the assumption they'll be cared for by their families will mean that more and more women will have to care for their aging relatives. Therefore, they may be forced to retire early before being able to accumulate pensions adequate for their own retirement.
There's a whole range of things going on, which I think will make it difficult for people who are coming up to retirement in the future to perhaps have the same economic security that current seniors might have. Those other issues are probably where we need to direct our attention so that we can address some of those problems.