In terms of putting an actual price tag on it, I don't think we're able to do that. I don't think our costing models are sufficiently sophisticated to break it down to that level.
Clearly, though, we do spend a significantly greater amount of time on applications where there might be fraud involved, or on applications that are complicated for any number of reasons. There is going to be a variance, yes. Whether it's going to be weeks or months, on any application we simply don't have that much time, so we'd have to make a decision much faster than that.