I would say that, obviously, digital offers the opportunity to do things much more quickly and efficiently, but we haven't necessarily seen that paying off. Instead, what we've seen is that more and more, the applicants have the burden of doing all the paperwork, often with online tools that are very difficult to use, and the processing times don't seem to improve as a result. We don't seem to be benefiting as fully as we would expect.
On October 21st, 2022. See this statement in context.