first?

The risks are huge, right? And fundamentally, what you said is kind of what's underpinning the whole retirement system.

We don't think that the climate will ever be a big enough factor to threaten the pool of savings, which for me is the fallacy, for all of us here is a fallacy, because ultimately If you don't have a planner to provide all these things, the worth of your pool of savings are probably dramatically lower.

So that is the fundamental flaw in what's underpinning this.

It's not like, do I have X or do I need 1.2 X before I can feel secure in my retirement, which is how most people actually do think about it.

And sure, I think about it.

I think everyone sort of mentally does the calculation.

I don't know if there's any fresh ones, but...