And how they could affect financial inclusion. Let me give you a couple of examples of these. Starting with pensions. Now you may be thinking: isn't that actually a great example of inclusion? And you're right – it is.
The way pension schemes are organised in the Netherlands – with mandatory participation – means a large group of Dutch citizens will be provided for in their old age. The flip side of this is that we currently have a system which makes a substantial number of people feel non-included. Our pension schemes leave relatively little room for people to make their own choices.