jennifer po says that government planning question mark. those individuals who make up government can't see beyond the next election cynicism from the chief who would have thought it. i actually don't disagree with paul. is that my husband paul a? yes i that's why i tend to be i'm also an optimist in general. but if there's anywhere that the pessimism starts to sneak and it actually is when we think about democracy and how hard it is to change policy now. and that is because elected leaders have the short term views. however, i will say that even something simple like just to stick on retirement for a 2nd because it really does matter. official retirement age is one thing, but there are all sorts of rules. a whole rainbow rules around ways that people are able to exit the workforce and sometimes you can get some play at the margins that make a big difference in the overall trend. let's just have a look at what riah added to our conversation. she joined us a little bit earlier on and, and told us this, and we're looking at managing and impac