At this point, I don't think we have enough evidence to understand how widespread the problem is, which is why we've undertaken a review. We'll contact all disability award recipients to understand the extent of the problem and how they have dealt with it. We have a number of current strategies in place to try to mitigate the problem. I certainly have heard the criticisms. I think our challenge right now is to really understand just how big the problem is. Is it fairly contained in terms of affecting just certain individuals?
Until we have more information that's actually evidence-based and that actually reflects the total population, I think it's really difficult to know the solutions. Certainly it's an issue that's on our minds and that we're looking at. There have been other suggestions in terms of what we might do, such as having structured settlements and paying out over a longer period of time. But I don't think we're at the point yet where we have enough information to get to a solution.