We are accused frequently of doing nothing about the ageing population and the consequent hole in pension funds. But you have to understand that, at the moment at any rate, there are no popular solutions to this problem. Either we raise the retirement age or we increase taxes on working people. Neither of these is a vote winner. I think a lot of us in government are hoping that if we just hold on a bit, then sooner or later another solution will present itself. I don't believe in the capital markets. For a start they are unpredictable and for another thing, not everyone has the possibility to take such risks with their money. I have always been of the view that you pay taxes through your working life in order to enjoy certain benefits from the state and certain protection against difficult times. For example, in case of unemployment or sickness or for your retirement, for that matter. So when I retire, I will live on what the government is due to give me. If I can't afford cruises in the Caribbean, then that's too bad.