Regarding the possibility of ordinary Americans directly allocating crypto assets in their 401(k) plans, there are three points: First, it's highly likely to be approved. It's currently under final review by the White House's OIRA (Office of Information and Regulatory Affairs). This is the final step before the rule is officially released. Second, actual implementation will likely occur within 3-5 months. OIRA review typically takes a few weeks to a maximum of 90 days, followed by a roughly 60-day effective period. In short, it could take 2-3 months, or 3-5 months, but regardless, it should be around the first half of 2027. Third, it ultimately depends on whether employers and the planning committee are willing to add it.