Right now we take applications from administrators of a program and producers themselves on a year-by-year basis. It's the same application every year. The producer provides the same information every year. It's a burdensome process.
What we're looking for in the future is to recognize that these producers and our administrators are clients year after year. We're looking to those multi-year agreements whereby we would recognize again that these guys are our clients year after year and would simply update the information that we need for that particular year, thus reducing the burden.