Maybe I'll tackle your comparability question after that.
About 99% of pharmacy claims are ultimately approved through NIHB and the majority of those claims—over 90%—are approved on the spot through our electronic claims processing system. There's no out-of-pocket cost for the client, and the provider is subsequently reimbursed for that.
There are some claims for which we do require further information, as Sony mentioned. Many of those drugs are ones that are subject to abuse and are part of something we call our prescription drug abuse strategy, so we do seek further information through our drug exception centre here in—