Well, there would be no costs off the top, because right now we're paying 100% regardless for members who are occupationally injured. That would not change. The only change you may see is actually the premium paid to workers' compensation, but that's negotiated through ESDC, the same as it is for the core public administration. That would be the only difference.
Having said that, would it be offset by the internal costs we're spending right now on this determination process? We haven't really done a full cost analysis on that, ma'am.