 Well, the report highlights that there's demographic and fiscal trends that are colliding to challenge us in our long-term development in a number of ways, retirement security, healthcare, infrastructure investment and others. And perhaps the most surprising finding is that it's actually our progress in some areas that's actually amplifying these risks in others. We've made a lot of progress in healthcare in terms of improving lifespans for people. But those very advances are putting pressure on the retirement issue as well as the healthcare cost issue. You know, our consultants and brokers have increasingly, I think, brought the report to their client's attention. I think it helps build awareness of what some of the bigger issues out there are. And that draws attention to the needs that our clients have. Marshman Clending Companies is a professional services firm that provides services in the areas of risk, insurance, strategy, human capital. Our clients are facing a number of these challenges that are addressed in the report and we provide advice and solutions against those challenges. So I think for us, there's a lot of change going on. There's a lot of risk out there and that creates opportunities for us to deliver advice and solutions. The Seeds of Dystopia refers to this idea that progress in society in one area could be undermining society in other ways. And I think the particular things that we highlighted within that were three areas where we think our long-term development is at risk. Let me give you three examples. The examples come from retirement income, healthcare costs, and financial markets. So let's start with retirement income. The older part of our population is growing faster than the population as a whole. And yet at the same time, the wealth of that group has been declining because of the elements of the financial crisis coming to bring the value of pension plans down and other forms of retirement security down by as much as a quarter. So you look at this combination of events and the fact that people are not putting long-term savings to work as much as they should in a productive society and you're heading on a course where there's going to be a lot of people who are going to be disappointed with their retirement security. Healthcare costs are escalating as is reported widely in the news. We looked at it in the context of the report and found that healthcare costs are growing 3% faster than GDP across the OECD for the last 30 years. The recent crisis has caused investors to go more short-term in their investment and so there's a lack of long-term funding for things like infrastructure and other longer-term corporate projects, which ultimately could undermine our economic development because that type of long-term funding is critical for productivity and growth. So why are people going shorter-term? Consumers tend to get more risk-averse when times go bad, but also they've lost trust in the financial sector. I think there's both opportunities in the private sector as well as in the public sector. In the private sector, I think it's pretty straightforward. If you can find an effective solution to something like improving healthcare quality at reduced cost or finding retirement solutions where there's ample consumer demand for that type of solution, there's a profit opportunity. There's a real private sector opportunity. I think on the public sector side, it's really the opportunity to set your country in motion for longer-term economic growth and development. I think look at the flip side, if these issues are left unaddressed, there's certainly going to exacerbate fiscal problems that governments already have. Properly addressed and in the right context where expectations are realigned, you could set a country on a path toward a much stronger and sustainable economic development path. The government in many ways is taking on new risks in the form of retirement and healthcare as those are getting shifted from the corporate sector to the government sector. One area where the government sector could potentially shift some of this back is actually in the area of financial risks and to the insurance sector, for example, in terms of catastrophic risk for natural disasters. You see this being discussed in the context of flood insurance in the United States where potentially some of the risk of that could get moved to the insurance sector.