I would disagree with you in relation to my personal experience with the people in Fort McMurray. They give from income and they give an amount based on certain criteria, but there is no encouragement to give more. If they give 10% of their income, there is no encouragement to give 15%. There's no encouragement to give more money. That's probably because it's not a capital-rich place, but an income-rich place.
Please continue. Sorry.