Hi Kate, Perhaps it could be either. I don't think it can be mandated, but perhaps compliance could be incentivized. For example, if there are services that enable financial discipline by such means as limiting monthly withdrawls, and a subscriber chooses that, then perhaps they would receive a higher interest rate or additional services, such as an alternative suggestion engine for purchases they would like to make but can't afford. I'm thinking more about people who have saved a small nest egg, but need to make it last. I am working with a relative right now in this situation and trying to help them put together a sustainable plan. But the services and tools out there are limited, and it would help to have something that would enforce the plan/budget as it may be difficult for them to do on their own.