Perhaps one thing we could do along that line is this. Right now, if a person touches any of the money that has been contributed in the last 10 years, that's a problem. Maybe what we should do is have some sort of graduated system. Maybe you could take 10% out in the first year and another 10% out in the second year—something along those lines, something that would be a little bit more flexible—rather than employ the fairly rigid system we have at the moment.
On October 25th, 2016. See this statement in context.