I think anything that's going to address that particular circumstance that would represent fairness would be correct.
To comment on the reasons that people might be on the bottom of the scale, for the most part that wasn't their fault, but we all know of circumstances where people have depleted their assets, perhaps because of overzealous families who have relied on them and helped to deplete their assets. And I think this is a matter of financial education, because especially widows, senior widows, are very vulnerable. They become dependent on the social contacts they have and the care they might be getting, and it could be that they're transferring assets they should be retaining. I think that's an educational thing.