I was just talking about the fraud circumstance where we had to block some activity or force people to call us. It meant that people couldn't get their payment for three or four days. Instead of getting it in three or four days, they would get it in eight to 10 days, or maybe not at all. We noticed that people didn't like that, obviously, and were waiting for it at a time when they really wanted money.
That's the kind of balance we always had to go through during that period. How do you make sure that you get the money out as quickly and efficiently as possible but at the same time protect the integrity? As you start adding additional checks into it, checks in the sense of verification, it increases the time. It just depends, though. If you'd gone further and had even more verification, obviously the time would have extended. At that moment in time, there was really a premium on trying to get things out the door.