You'll be gratified by the answer.
First of all, we do use machines to manage workflow in our homeowner transactional business. It's a piece of software called emili, which we're updating. It's effectively a rules engine that something is either automatically approved—an insured mortgage application—or it's referred to somebody for intervention if it's more complicated.
In the case of multis, which are anything more than four homes in a unit, like apartment buildings, condos, etc., those are adjudicated differently and all, at this point, are largely manual. We're putting in a new technology system that will give people the tools to do that, but they're always complicated. They always involve different financing structures and different corporate structures. While we want to automate the rote part of that activity to make it more efficient, there is always human intervention. There is always an underwriter involved.