I wanted to get into the area of the lump sum. It was an area of great discussion and concern. As one of the vets was telling me on the side after the committee rose for a few minutes, if you give a large sum of money to someone who has just come back from Afghanistan after losing a couple of limbs, chances are they might look at that dollar figure and see the value in receiving that, as opposed to the real benefits of being able to use that in future years.
Is this not a concern of the department, that it might be the case that you're providing a fairly significant carrot for a lot of people by providing choice and this might become a problem in the future?