We actually asked Health Canada about that. How, over the first two years, did they need to move money from future years to cover some of the benefit payments? Why do they think it was so much higher than originally anticipated?
I think their belief was that many of the members in this plan hadn't been to a dentist in a long time and that, in the first few years, there was a higher than anticipated spike in covered and eligible services, but it should tail off to a more manageable level. We're actually seeing that in some of the predictions from the chief actuary of Canada.
At the end of our audit, they predicted there would be a shortfall of $2.4 billion. Right after our audit, there was a quarterly update of those predictions, and now it's about $1.2 billion. I would expect that we're going to continue to see that fluctuate as we look at the experience of plan members and predict the cost of dental care into the future.