There is that opportunity. In fact, one of the research reports that was looked at in the meeting at Whitehorse suggested that a major investment in a home should be sufficient, with the idea, I guess, that you can downsize and sell your house. It's an opportunity, but not everybody is able to do that, as they often need to live in that home and can't really sell it off.
The research has indicated that people have to be able to turn their assets into money they can actually use. If they can make huge investments and not have to worry about this, they are usually at the higher income levels. The recommendations we make are for middle- and upper-income people, or those with salaries up to about $122,000 at this point.
For the people who are very well off, maybe they will never need this kind of thing, so we are focusing on the middle class.