I totally agree with you.
We made a decision to close some offices. That's going to save us some money on bricks and mortar. As you've rightly pointed out, we're not about to reopen those offices. If we thought that was a wrong decision, we would be reopening those offices. What we're seeing now is that there are better technologies and ways to recruit people—online, more targeted—where we would be better off spending our money. What I was more referring to was the capacity of the people we lost to process applications and so on when we did those reductions.
I would agree with you. I think there were elements of it. Instead of putting money into bricks and mortar, rent, heat, lights, yada yada, we can focus it on the people we need to process it and shorten our processing times. As I said earlier, clearly there are systemic issues that have been there for a while that are part of it. This was one part of it in terms of reducing people in the recruiting group who can deal with people, process applications, and get them in the door.