Bymonek, unfortunately many of the independent financial advisors are also crooks. There are plenty of newspaper and financial publications articles about that subject. As for making a direct statement to employees, it is difficult politically, isn't it? I think there is plenty of information out there amongst the pilots to now it's a Ponzi scheme, so I don't pity them when they get caught out by their greed. But many naive new cabin crew are being persuaded by their seniors into joining because those seniors are trying to get a return. It's plain evil.