You absolutely can ask questions of Nick, and he'll gladly jump in.
You're right about the 48 weeks when we factored in the time that happens after a decision is made. Once a decision is made on eligibility, that's when the severity of a claim is determined, and then a payment happens. The difference between the median of 39 weeks and 48 weeks is factoring in that additional time.
I'll turn to Nick to talk to you about some of the longer times that we saw.