Reading through some of these examples, these stories, it seems like these are difficult situations to account for financially, because these people's lives have been profoundly affected. That would certainly be a start, recognizing the depth of the impact imposed on these folks.
You mentioned the issue of prior authorizations. Can you describe how well that was working under Sun Life, under the previous contract? Is this a long-standing problem that has been a problem for people for a long time, or is this really something that has cropped up with the new contract with Canada Life?