The two I can think of, and Larry can correct me if I'm wrong, would be the initial application process, because that's been a concern that VRAB has raised, and the relationship between SISIP and the new Veterans Charter.
You have to understand that under the new Veterans Charter, with the 75% income replacement, if SISIP kicks in first then Veterans Affairs doesn't have to kick anything in. As Larry was saying, the soldier in a sense is paying for his veterans benefits, because SISIP is going to kick in first, which he's been paying for.
Those would be the two I could think of off the top of my head.
Larry.