 It has affected them as a generation as a whole. When you compare them, for example, to the older baby boomers who have much more wealth, who have much more housing assets, who started out with higher incomes, who had easier access to the labor market. So there's a real sort of divide between those two groups. But what's happening now is old age is creating limited work opportunities for people. They may be relying on fixed incomes. They may not even...