And then finally, innovation. We've been working a lot on innovation on opportunities to expand our client base that capitalize on our existing businesses like cross-selling. We have done -- we've conducted several activities to pursue this component in FY '13. We're going to continue with similar moves to reinforce our development into the emerging markets. Of the different opportunities that we see in the marketplace today, there's 4 that we're going to call out that we especially like to talk about today, that's pension de-risking and lump-sum, which is a very important development that affects our Benefits business and also our RFS business. They've actually cut across all of our segments to a greater or lesser degree. U.S. health care and then the consulting and exchange market opportunities that [indiscernible] continue the best within -- in emerging markets.So let's take a deeper look at some of the growth areas we see. And I'm going to talk a little bit about each of the 4 segments, and where we stand with them. So first of all, revenues in the Benefits segment. They were up 1% last year on a pro forma basis. As organizations sought our help with ongoing benefit cost and risk pressures, an increasingly volatile economy coupled with persistent low-interest environment, and in many countries, a lot of changing regulations. In the Health and Group Benefits area, clients asked our Health and Group Benefits experts to help them efficiently manage their health plans. We responded to multinational companies, sharpened focus on global health and productivity. And we helped U.S. clients reshape their total reward program and make other changes in response to the Patient Protection and Affordable Care Act. This major piece of legislation affects virtually all U.S. employers, and requires them to make decisions that will significantly affect their employees and the bottom line. And we'll develop that a little bit further.