Very briefly, the agents here are primarily putting in the data. They are doing data entry, and based on the data that's in the system, the IT system then says that everything is there and that therefore this individual is entitled.
They do exercise some judgment when there are some questions on some of the documentation, and at this point, for the most part, we feel this time is adequate. They do have flexibility with regard to the amount of time they take. On average it is five minutes, but some cases obviously take longer.
We are going to look at this again to see whether there are opportunities to get the balance a little better.