Basically the idea is that we put a box around referrals. We're allowing them, but we're saying they have to following the following rules. The following rules are these: for anybody to make a referral, they have to have that family or personal relationship with the person they're referring.
I apologize, as this is going to get circular because of the language.
But the important thing is that we are limiting the referral to the family and business relationship. The person who is sending out that e-mail to the person who is referred to has to name the person. So if Mr. Masse here is a good friend of mine and you're my insurance broker and I tell him I've got a buddy he might be interested in and I provide you with his e-mail address, when you send Mr. Masse the e-mail you have to name me in that e-mail so he knows who referred me and where this is coming from, so it is not just out of the blue.