I think there is some value in this, as we heard.
Rather, can we change the “and”, or do an “and/or”, so they can just do a withdrawal? We're requiring them to give a reason for the withdrawal.
“If they wish” should be something that.... I don't know whether Mr. Julian is even interested in entertaining that, but if we make it arbitrary, they may not answer it. If it's a requirement, then what? “If they wish” is something we can add, potentially.