Thank you very much.
Now I have a couple of questions for Monsieur Bedard and Mr. Campbell. It was a very interesting presentation. I'm pleased to hear you were happy with some of the new programs that are being implemented. I was really interested in the comment by Mr. Campbell.
You said that as there are more benefit packages, they become more and more complicated to administer, and I suspect there's increased cost. as well. Could you address that for a few moments?