No, and I'm sorry; that actually was not what I meant. I actually think that's where we need to have honest and scrupulous financial planners, because that's part of what they do. They look at the risk tolerance, they look at where individuals are, and they make decisions based on that. In Canada we have some good financial planning companies that are complying with regulations in making sure that the risk is tolerable, but I'm actually talking about financial education. Part of that is using a professional financial planner to look at the pension, look at insurance, and look at the tax situation.
That's more what I was referring to, rather than the idea of somebody being their own doctor.