I think it's good to be honest. The uncertainty surrounding regulation is what is holding the wave of institutional investors back at the moment. We are in the situation at the moment where there are no rules in the game. Regulations will give investors a framework to work with. This is the opportunity for retail investors now to take the risk that the big companies can't take at the minute. We all know some regulation is coming! I think it will be a case of KYC and anti money laundering/terrorism financing laws coming in which most businesses are already doing anyway. Once this becomes common practice I think the flood gates will open!