I have one question, and then I'll pass it on to my colleague, Mr. Vellacott.
This question is directed to Barbara Byers. It flows from Mr. Lobb's questioning; he talked about the costing.
With respect to using the best 12 weeks and increasing the benefit from 55% to 60%, have you done a costing of what the amount might be? What would the corresponding effect be on premiums, if that were the route you were going to take? If you can answer that straightforwardly, I'd appreciate it.