I have a question for Mr. Griffis and Mr. McCartney. It has to do with the 75% earnings-loss benefit and the one-time cash settlement. I am a former claims chair of an insurance company. But I found it difficult to assess a person's earnings potential in light of his career advancement possibilities. I was also unsure about the method of compensation to apply.
First, was the cash settlement intended to compensate for that possible loss? Secondly, have you come up with a way of rating the loss, so that the settlement would be more reflective of it?