Dave Chilton

And so I think, again, those people who are already in a good position, it makes some sense to take a less aggressive stance.

Now, again, everybody has to get to their financial advisor and walk this through.

Speaking of financial advisors, I think the industry is improving.

When I started out 30 years ago, 40 years ago, and I saw some stuff, I just shook my head.

Crazy.

Not just the cost of products either, but bad advice across the board.

It seems to have gotten dramatically better.

In fact, I would argue the upper echelon.

of financial advisors and planners now are outstanding.

They've got great designations.

They're good communicators.

They understand the risk reward ratios of the various things, the approaches, the importance of costs.

Are you seeing that same trend?

Yeah, I agree.

And you know what we used to see a lot of in Canada wasn't bad advice as much as no advice that the people were put into certain financial products and then they weren't getting any advice after that, including retirement income planning.

But again, that's changed.

There's a lot of good software now.

And I think the leaders in the industry are using the social media platforms, podcasts, YouTube, et cetera, to kind of educate everybody else and raise the bar.

And so I think there's some positive things happening.

Okay, unusual wrap-up.