The Importance of Long-Term Investment Returns

The aim is to achieve long-term investment returns of 4.5% to 5% per annum above inflation if I'm right. We have achieved that from inception since 2007 so long-term returns are more or less net. Our objective, we think that's going to be harder going forward like much harder for all the obvious reasons and in many cases headwinds which should just make our job significantly harder. It'll definitely create opportunities, really interesting opportunities.