Than you very much, Sean.
That is a decrease. Of course, you have to understand that the number of first-time applications have increased by over 90%, which of course we must deal with. We digitized the files and we coordinated the staff. That has had an effect, but we also have 350 new employees in training. Right after Christmas these people will come online and start dealing with the backlog. We have affected the backlog at this point, but we intend to affect it much more down the road because we're going to have extra staff who are dedicated to the task. We're going to have the files digitized. We're going to have them coordinated in one place. We won't have to send files to one place and then another and then wait to get them back. We want to make sure it's done as quickly as possible.