Mary McCarthy

Good morning.

So there definitely is a financial element, right?

I think it's wider than that.

I think it's society, it's cultural.

Joan is completely right.

Every woman, every... The choice to be there, nobody is saying that we should take that choice away, but...

I think what we need to do, we need to have this conversation first of all, because governments should be trying to reverse this, because it is going to be huge.

If we have fewer school kids than pensioners in 2050, that's a different world we're going into.

But it's two kind of approaches we need, David.

So we need the pro-natal financial incentives because if you feel financially precarious, you're not going to have a kid.

And that's just the truth of it, right?

So housing, childcare, primary schools, massive.

We've got to run them like we're assuming that parents are working, right?

But also society.

Like, I look at my kids.

I've got three Gen Z, right?

They're dating less.

All the research is showing that.

So you have fewer kids then.

You know, you need sex, then you get babies.