Thanks for the question.
It will depend on the type of business that we have. Where we have electronic applications, which we do on many of our temporary lines of business, acknowledgement of receipt can be issued very quickly. We're able to do that. Where our business is paper-based—and here's where we're really struggling—we find, not to put too fine a point on it, that the mail is actually stacking up.
When we had difficulty between the end of March and July, before we got people back into our offices in significant numbers.... What we have is a backlog of envelopes that needed to be opened. Until we can actually get the mail open and get those applications scanned, it's difficult to make that acknowledgement. I will acknowledge that this is not client service, and it's an area in the department where we really need to do better.