To pick up on Mr. Cuzner's point, the point has been made that people who are incarcerated have made a choice, whereas some of these other extensions actually do apply to people who have not made a choice. They may be ill. There may be some complications with pregnancy. So there are other people who are eligible for extensions.
I don't need you to respond to that, but I think it's just important to lay that out.
I wanted to come to your calculations around the $3 million that you referenced. Can you tell us how you got there--the average benefit rate, the average length of claim--because that's going to affect that $3 million.