There were a lot of older workers, some close to retirement who worked there, and it will be hard for them to find work.

Many workers who are closer to retirement can be tempted to consume rather than save.

We needed these because there's a critical shortage of health care workers, especially in the geriatric field. Those elderly people displaced have ended up in our nursing homes. This is a critical, critical need that we have.

By joining our companies together, we will dominate the two fastest growing segments of the financial services industry, retirement savings and international markets, ... This marriage is a great cultural fit, with complementary businesses and a distribution network that is second to none.

The retirement generation still is not quite here. The demographics suggest they will be a good real estate segment over the long term.

I think we're going to rewrite what retirement means. What we do and how we look will be very different than prior generations. It's not going to be a passive experience.