I've been following the debate on universal basic income versus targeted welfare, and I'm torn. A UBI would simplify administration and give everyone a safety net, but wouldn't it ignore the fact that some people need more help, like those with disabilities or in high-cost areas? I've read that Finland's experiment showed mixed results on employment, which makes me wonder if we're solving the right problem. What's your take: should we prioritize a flat benefit for all, or keep targeted support that accounts for different circumstances?