Ms. Syal, I'm coming to you next, so if you can give some thought to some of these questions, that would be great.
The last question for you, Ms. McWhinnie, is this: What do you find from your analysis in terms of...? I'm sure this is a constant analysis that you're taking on within your organization. This goes to the analysts, because they're the ones we're speaking to here. They're the ones who are going to come back with the report and the possible recommendations that we're going to move forward with.
Besides the tools that you have available to you currently, what tools do you need to get that far and to then look at why this is happening with the consistency of those rates across the companies?