The fact is that we have a finite number of claims we can handle a year. We can handle about 24,000 a year. The point is that there's only added cost if you add more resources to be able to handle more claims than that.
The cost for an RPD claim is about $2,600 per claim, and that's without an appeal. When you add more claims, you either add more time or you add more money. As I said, it's a very mathematical calculus. The claims need to be dealt with. They need hearings. They need to have the attention of a member, so you either need more members or you need more time.