That's a great question.
For me, what we're proposing transitions from when a difficult situation exists to giving somebody a cash outflow to help them through that difficult situation, whether that's a loss of employment or a health care issue. It's shifting the narrative to one that's more about how to prepare for those challenges in advance.
I take your point about saving. It is very difficult for a young person today to save, but it is possible with the right support and the right guidance. That's what a lot of our young people are missing today, and we feel that a financial planner can provide an opportunity to come in and have a conversation about their financial management. It's a fundamental competency that financial planners are taught to deliver to their clients, and we think that can make a real difference.
It comes down to the notion of giving somebody a fish versus teaching somebody how to fish. What we're proposing is the element of building up long-term financial resilience so that when life circumstances hit, whether that's an economic hit or a health care issue, they are prepared to manage them.