Actually, the 10% to 15% is considered an extremely conservative number by us. In Canada there really hasn't been an effective substantial study of the full impact of fraud. I know Statistics Canada has been working with us and many other large organizations, banking and so on, to try to get a handle on how big this is. With what we're seeing, the 10% to 15% can very well be opportunistic fraud and not necessarily even taking into consideration this huge animal of organized insurance fraud that's actually taking place in Canada.
I have to say it is taking place here and we see it growing, not reducing, because there is no deterrent, no real punishment. They're not getting jail time, they're getting conditional sentences. We're not seeing the courts order substantial restitution for them.