Thank you, Mr. Chair.
I really didn't want to pick up on the lump sum stuff. I have other questions, but I really need to ask Mr. Yhard a question on the lump sum.
You stated three specific cases. You said that in case number one the lump sum worked very well; in case number two and case number three the lump sum didn't work well. You obviously have data on lump sums that you don't care to share, but you shared those three particular circumstances.
It seems to me that it would depend upon the circumstances of an individual whether the lump sum is in his or her best interest. It may in fact depend on the level, perhaps, of PTSD that the individual is at in that stage of their life and at that particular time.
I'm looking for recommendations here and for solutions. What if there were financial advisers able to assist individuals and help them make a decision specific to a lump sum? Do you believe that is something that might work? Do you think that the choice should be taken away and every veteran be treated exactly the same, or do you think, because of different circumstances, that the choice should be available?