For 1, demographic shift; we're halfway (8 years) through baby boomer retirements and just at the beginning of baby boomers reaching their average life expectan

For 1, demographic shift; we're halfway (8 years) through baby boomer retirements and just at the beginning of baby boomers reaching their average life expectancy. The next 10 years are going to be extremely interesting. Especially if we don't increase immigration, at least for the transition