Yes. We're sorting through what we would call our service channels. We tend to divide clients into different groups: tier one, tier two, and tier three.
In tier one are people who just want very basic information. We would like to redirect as many of those clients as possible to the website self-serve for basic information. In tier two and tier three, you're starting to get into case information, where people need more specific advice. That's where we'd like to reserve our well-trained people: to provide assistance to them.
We're now sorting through how best to set up each of these service delivery channels in regard to what extent we can apply technology for that and use the call centre, use the Internet, and so on. That really is our challenge. Right now, as I mentioned--as a very short example--we feel we're getting too many tier one clients trying to call our call centre, so we're trying to change that.