The 18-month thing was a clarification. It came through the witness hearings--i.e., what happens if I have a subscription to House & Home magazine for two years and the subscription is about to run out, but they've also run out of the 18 months? We're saying that they get the 18 months at the end of the subscription to contact me and see if I'd be interested in again subscribing for the next two years.
It was really with regard to memberships, subscriptions. If it's a point of purchase, where I purchase something and that's the end of the relationship, at the end of the purchase, then the 18 months starts there. So it was more of a clarification for those other things.
With regard to the third party referral, we wanted to be sure that we heard....
Oddly enough, Paul Vaillancourt, the financial adviser who appeared before you, is my financial adviser.