I'm Linda and I have been paying into my private pensions from my early 30s. In the early days I didn't think about it much at all because you don't expect to get old. As time has gone on then I've worried about whether a certain type of investment would be the wrong investment. What type of companies to invest in is always a minefield. And so to have it somewhere where you trust people to do it for you is a lot more reassuring for somebody like myself who's not a big risk taken. Obviously there's always been unrest in this world. You're very worried because of the turmoil. And I think there are just times when you have a little panic. I just thought I might as well get all my money out. I called my financial advisor who I had come to know and trust and told him my concerns and told him that I would like to take a considerable lump sum out to do something for the family. And he suggested that that was probably ill advised. Well my intention was to take the family away somewhere and go and enjoy it. He said to me now, do you think that's a good way of spending all this money that you have accumulated over the years? There are other ways and means of dealing with these things. And so he calmly gave me the facts and figures over it and told me how much I would lose out in the long run. It gives you a lot of reassurance to know that it's put with a company that knows what they're doing. If somebody approached me or one of my friends said to me, I don't have an advisor myself, I'm doing it for myself. I would say that I would be concerned. In hindsight, I think the worst thing I could have done at the time would have been to take that money out. We don't know what is around the next corner, but we do need to always try and provide for it. Having somebody that knows really what they're doing and has been doing it for some time and really understands finance is a much stronger position to be in rather than trying to do it yourself because that's why they're there. They know what they're doing.