This is actually what we are right now making sure of, which is that this is an officer's judgment in terms of what the missing document is and what the value is of just making a phone call and getting that information piece, or if we actually need to have the application piece sent back.
We will be more clear as we move towards more precision in terms of how we communicate that kind of directive or that guidance to our front-line officer staff so that there is a harmonized approach throughout.