That definitely would be a factor as well, but I think it's important to recognize that in the prepayment world we were learning and we were getting better. I think that's part of our message on the postpayment compliance. We have our risk-based approach. We have our algorithms. We use our intelligence, and we get better at the compliance as we see different things happening and say, there may be something here that we need to put into our program.
We always learn as we go with any compliance efforts, whether it's prepayment or post, but what you're seeing here is that learning and potentially a changing environment as well, as you say.