Definitely. I would make a comment and then the general will follow up.
The issue of financial literacy--I really like the term--is critical. I think quite frankly in the past, and still it's currently happening, there was a tendancy to think, “Well, here are the benefits for you; you should embrace them, and that's great”, without really spending enough time helping individuals to understand what this means. In the report we talk about the fact that if the lump sum payment is actually being handed out, we would like to see more in the way of help around the financial literacy issue, and I have suggested structured payments would be an option.
It's overwhelming to people to understand how they're going to manage. They're dealing with enough trauma getting back on terra firma and back into civilian life, if that's the issue, or even adjusting to a different role within the military, than to have to struggle to find out what it is these payments mean. There's impact if they have families, and most do: how are we going to manage? We know from the research on determinants of health that one of the major determinants is the economic and financial aspect of life.
We felt very strongly that enough wasn't being done, to be quite frank, and I think your point about financial literacy certainly embraces that. We'd like to have more done in the area of assistance and help to individuals to understand what these payments mean and how they can actually use them to benefit their own family situation or their own individual situation.
General.