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Thank you for this perceptive overview. One of the things that must be taken into account is that 65 is the new 45. In other words, there’s a focus on the frailty of getting older but not the possibilities. Most of the issues you raise are really about the over 75s and maybe even over 80s.

IMV alongside this care and pensions issue is the broader health issue that means we need to shift mindsets to say everyone will be in the worksite much longer (not 2 years but 10 at least) and so needs to be physically and mentally ready for that.

In the UK we have a huge proportion of the workforce at all ages who are unproductive and claiming disability. Technology can play a role in changing that too. This mindset shift is a fundamental issue that can help solve a number of these issues.

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