I'll speak to the issue in a global sense, if you will.
This is one of the most misunderstood issues. The misunderstanding of how that actually works has created what I believe to be some discomfort among veterans and veterans groups.
My understanding, and I'll ask the deputy to elaborate, is that before a serving soldier leaves the military, they are able to take advantage of financial advice and support and all of that. When they transition into being veterans, they are also able to avail themselves of that financial advice to enable them to govern their lump-sum payout. Whether they want to extend the payout is a choice that they have. That is an area where there's so much misunderstanding and discomfort.
Deputy, could you elaborate on that, please.