I would say a couple things.
First of all, one of the significant benefits of what we're calling our “pod approach” is that we are looking at the whole individual in terms of making them whole. We're not just looking at one particular type of transaction for everybody. We're ensuring that when we look at Carla Qualtrough, we address all of Carla Qualtrough's transactions. That will allow us to have an accurate understanding of both what we owe Carla and what Carla owes us.
We can get to a point where that is accurate. The challenge is when we've been doing things transaction by transaction. That was an attempt that was agreed upon with unions, and that was the approach we took in the beginning, which meant that you never had a sense of the bigger picture with respect to an individual.
Les, I don't know if you could elaborate.