Thank you for the question. I think there are a few aspects to this.
The plan covers active members or employees. It also covers retirees, some of whom will have different levels of comfort with digital methods. I think this is also underpinned by a number of failures in terms of people being able to adequately submit electronically. There have been all sorts of problems with people being able to make their submissions.
Our primary concern is ensuring that our members get their benefits provided and that they're reimbursed in a timely way by whatever means is going to be most convenient for them.