Thank you, gentlemen, for coming here today.
Just on the lump sum benefit, you've talked about how, in your experience, you've witnessed that there have been many who've spent all their lump sum payment and so forth, and you're suggesting that it be spread over a period of time. You're suggesting that it run parallel with the earnings loss benefit, then. They would maintain the earnings loss benefit, but also have a separate payment for the lump sum, which is for pain and suffering. Is that the suggestion?