I think they provide more guidelines for our members. When they are responding, I think it gives them more understanding of what they're dealing with and more opportunity to make some decisions.
Right now, I think it's left to an individual to come up with what they think they're dealing with and try to mitigate things, which, at times, takes too long because they don't understand and they don't know where to go with it, so things continue to carry on. We could deal with things in a much quicker manner if we had a better idea what we're trying to deal with.