In terms of the timetable, on May 15 we put in place a more robust process for the new advanced deposits that come in to us. We do the screening and we do ask for additional information. We ask for the tax year and for the reasons behind the advance deposit. That's for new funds coming in; it's already in place.
We are updating the installment guide. It has been completed, but unfortunately it will not be published until February of 2010. It outlines the new processes that we have in place. However, when we do get the deposits coming in to our accounting areas we automatically put that into place. But the public corporate installment guide will be updated showing these policies to the public in February. In November of this year we are starting the annual review, and we'll complete it by the end of this year.