Certainly I can respond, and then I think we have other comments from my colleagues, if that's okay.
I have actually had a fair amount of experience myself working in the insurance industry as a therapist, very much in auto insurance and the LTD and STD areas. There's been a major concern about the constraints that an insurance context lays on the disabled individual. It not only is stressful because they have to deal with the rules and regulations, but there is a tendency, and it's rampant throughout the insurance industry, to really curtail what can be offered. When a person is going through enough trauma, they really don't need that kind of constraint. So that's a major concern of mine.
I have listened to the expertise around the table, and certainly when I was first on the VAC/CFAC Council that came up as a major item. It was very much in the discussion our committee had. I know Joe, in particular, has some comments he'd like to make about that, please.