The pay direct card was supposed to be introduced on April 1, 2011, and it was moved up and introduced on November 1, 2010. In our original estimates, we did not anticipate that the pay direct card would be in place as early as November. So that's one thing.
The second thing is, when you have a pay direct card, what used to happen is you'd go to the pharmacy, get your drugs, fill out your claim, and send it. Now that claim is made almost at the point of sale. So the money you have to spend on the claim is coming out as soon as the purchase is made. So in fact, as a spending pattern, we're spending the money right away rather than one, two, three months later.