What we did this year was try to find out why it is happening. There were two explanations we got this year. One was resource constraints. People said they didn't have enough time to do the transaction and asked, “Where do we find the time to do the file?”
The second one was on the issue of technology. As you know, with the use of technology, information management is raising a whole series of new issues. How do we translate that into the paper file? How do we do this stuff? People need some training in this, but there's no time to give them training because everybody's doing transactions.