I might just add that when we did do the family class design challenge, in looking at that, we did look at the language that's available for the spousal application. That's one of the reasons we completely redid all of the spousal application, the guides and so on, which will be available on our website next week. We found it was at about a grade 11 status, which was too high. We have tried to ensure that the new forms and guides are at a more appropriate level.
We'll have to do this across various lines of business, but we're starting off and very much trying to make that effort, and likewise on the website, to try to see that the language is appropriate.