Again, I appreciate the question.
I think as a general principle we've seen lots of difficulties and problems when it comes to the hiring of outside contractors. I do want to caveat here that I'm certainly not an expert on contracting out or contracting in. I can speak to this particular issue, which is the contract with Canada Life or with Sun Life, which is something that has traditionally been done, where there is an outside company that administers and adjudicates benefits. I wouldn't want to get too far into the concept of contracting out or contracting in. That's definitely not something I feel that I'm able to do.