Based on what you see as the history, you believe that in going forward with the new risk management strategy you can actually lower the amount of time on average, albeit it is understood that some cases are more difficult to get information for. It's not the decision. I understand that. It's actually the garnering of information from sources that are beyond your control to a certain degree. I get that.
If indeed we are headed in that direction, do you have any sense as to when you think you can actually get to the point where you will be enabled to do that?