It is definitely a trend, and as Martin said, we're hearing about it a lot more. When the stakes are so high, it's difficult to have it curbed voluntarily by saying to people, “You shouldn't do this; it's not a good idea, because in the long run it's going to be negative.” That's not the kind of argument that works.
I'm on the fence, by the way, about this new system, but I think one of the main advantages of it is that with a permanent group of people and with transparency, we may get more consistency. The consistency may lead to more conservatism in dealing with marginal or perhaps vexatious claims. I don't know; I'm hoping that might be the case.