On what we're doing right now when it comes to the reserves, I have a study currently going on across the country to determine where we are going to make the appropriate investment. We need to increase the size of the reserves, but we also need to focus on retention.
One of the things that's extremely important—and I've said this from the beginning—is that we're going to make investments in areas where the demographics can actually support the recruitment, not just for the short term but for the long term as well. We need to do a lot more work on this, but we need to look at the reserves very differently than we have done in the past. Those types of investments will be made based on, as you stated, population density and where we can actually recruit the members.