You raised this earlier, and you said that you were concerned about the potential for a fishing expedition. I think the industry expressed its concerns, which I think are reasonable, that you want to prevent fraud and make sure that there aren't illegitimate cases that are coming forward and really raising all of the costs for everyone else in the insurance business.
Ms. Gratton, you made the comment that you think there is concern about the potential for a fishing expedition, and then you said greater transparency maybe after the fact. I'd just like you to explain what you meant by that.