Yes, I have a couple of points. One is that in every circumstance when an employee is giving notice, they have 60 days in which to opt out of the plan. There is a provision—and Lynn might be able to help me out with exactly which one it is—that sets out that, subject to the regulations, a member may set its contribution rate to zero for a time.
We are elaborating that regulation, but it is in keeping with the concept of hardship. So there are two instances: either up front...and then there is contemplated this setting of the contribution rate to zero in the future for that reason.