Certainly when you apply hindsight to it, you see that part of the solution has been to bring back even more pay advisers. In hindsight, that has been part of the solution.
Again, I can't tell you exactly what happened in terms of the decision to start making the change and the reduction, because we haven't looked at that yet. That wasn't part of this audit.
When you just apply hindsight to what they have done, if they had still had those pay advisers, then they would have had those people in place right away to help deal with the problem. They had to try to bring them back in order to deal with the problem, and in fact brought back even more.