Dominic Lindley: One thing to point out is that there are already schemes that involve some risk-sharing and smoothing. They are called with-profits funds. They have been around for many years. Some of them have not provided particularly good outcomes, partly because, as Tim said, they were run by insurance companies that put shareholders’ interests above the interests of consumers. Some schemes smooth out the return over time. Again, somebody will have to provide capital to back those schemes, or you will have to charge the first lot of members a bit more to build up that fund. That is a big question that still remains to be answered.