We did have, until recently, what we call a service standard of 18 months with regard to responding to CIC. We have started to look at that very closely recently based on a risk management approach because we have realized that there are many applications that can be done in much less than 18 months.
I can't say that we have settled on a new service standard, but when we do, I'm confident that it will be considerably shorter than 18 months.