Okay.
Lastly, the big issue that is not gender-specific that I think you want to be concerned about is the declining portion of the workforce that participates in workplace pensions. There are now almost equal portions of women workers and men workers belonging to these plans. They are a very important source of income. But participation in them has been declining since the late 1970s for a variety of reasons that have not yet shown up in third-pillar income data, but will start showing up for reasons we could get into in Q and A. The way we respond to that will be very important for the retirement income prospects of all elderly, including all elderly women.
I'll stop there, Madam Chair, and take questions.