Certainly, and you just have to do a little bit of math to find out quite quickly... The maximum right now is $254,000, I think, for 100% disabled. There are mostly 20%, 40%, and 60% cases. There are severe cases, of course, but even at that, if you do the math compared to what somebody at a 30% level is receiving on a monthly basis, taxable, let's say at 38 years old, it's quickly well exceeded. The monthly annuity is way more economically beneficial to the individual than the lump sum. That's beyond question in more than most cases.
On the issue of supporting through the transition, the 100% will definitely do it. If they wanted to keep the lump sum around and then a small annuity, I think there's flexibility there. It needs to be discussed. We have recommendations in the report that will meet the short-term goals of trying to make it better, but I think it needs more discussion, as Louise and the others here have suggested, and at the finance committee. We'll be happy to bring it to discussion at any point, but it definitely needs to be discussed more.