There's not a great deal of knowledge out there on this right now, but a person doesn't even have to have...and I guess you're right in that, if they're connected or disconnected from family and so on. But they don't even have to....
In fact, when you get to age 18, if you have this plan or this fund open, without even contributing on your own, the government will contribute significantly; it's a means basis. That's as I understand it; we've gone through some of the fine print.
So you don't even have to have family with significant wealth or means or anything--