would take out insurance policies. we can only do that for your social care if you have got the money. mina, do see that around the world? i do, and i think there is also a question about public debt. the uk's public debt exceeded 100% of gdp last year for the first time since 1963, but there are many countries around the world that are having to deal with public debt, but not coming up with solutions. because, to polly's point, there are tough political decisions to be made in the long term and unfortunately too much of politics in the uk and in too many countries are based on election cycles. people already here are talking about the election, but it really isn't due until 2024, but people are thinking about how will this reflect in the ballot boxes, rather than long—term reforms that will be tough politically. there are voices on the left, - i would say, who say actually this is a false debate and the rishi - sunak position that we have to keep public debt within 100%, -