To the most recent point of Mr. Williamson's about extending it to spouses, the board is looking at that type of thing.
It's very new. We brought it in as an option for members this year. We've spent this year tracking how it's used. Many things are bound to look good on paper, but then you hear from individual members about difficulties that they may be running into. We're looking at it, I think it's fair to say, with a phased-in approach. If things go smoothly on the members' side and we can figure out a way to include spouses and maybe even staff who regularly go through it, I think those are things the board is open to. It's just a matter of making sure that it fits.
If you consider it as a phased-in approach, I think that will help in the understanding of it.