I very much appreciate the information today, as we move forward on a study of trying to compare the benefits in the major countries.
Your comments are quite interesting, and I have a couple of questions. I'll be pretty specific, if I can.
You mentioned 2005 as the year that you introduced these changes. What happens to someone who was injured in 2004 and is under the old plan? Are they provided opportunities to apply under the changes you made subsequent to 2005?