Very good.
If I could just go on to another issue, I remember that when the Veterans Charter was first implemented, one of the concerns I had was the lump sum payment that comes out. What happens all too often is that veterans are injured and then are looking for an income stream to keep them going for a period of time, sometimes for life--and more often than not for life. They're broken, and it's a matter of getting back together again or trying to survive under the circumstances they've been exposed to, through really no fault of their own, but just as part of what they do.
Now, one of the concerns I had with a lump sum payment was that when someone gets a lump sum, the intent is for them to take the money, go off into private life, start up a business or invest it, and go on. Again, these people need help. I mean, these are our veterans, people who we have relied on, and people who are relying on us now. We're giving them a lump sum and sending them off.
That was my concern. It's almost like a buyout. You mentioned the insurance mentality. That was the concern I had. What I was told was that they would get financial advice when they got that money so that they would be able to invest it, so they would be able to do something. My concern was that, sure, but they might go out and buy a new truck, or buy a new car, or spend it on something that wouldn't be there for them down the road.
What experiences have you seen as far as a lump sum payment goes, as far as it goes in providing revenue or providing an income stream for the long term, for the lives of those veterans?