The FTQ takes exactly the same position; that is our leitmotiv. We have really spearheaded group plans and public plans.
As Ms. Casara said earlier, we support the position taken by Mr. Denison, who pointed out how difficult it is for individuals to make profitable investments. Often you end up paying huge management fees. Also, the person doing the investing is the one that has to manage the risk. In the last financial crisis, we saw just how difficult that is.