Absolutely. It's even more frustrating for our retired members. It often takes them five, ten, fifteen years to first of all admit they have these issues and then try to address them. They end up dealing with Sun Life or insurance companies, and that is a whole new maze of bureaucracy with far less help, it seems, for these members.
Do you have any recommendations on how we could better deal with this? Should we partner with the insurance company that's looking after this? Because quite frankly, in my opinion, it has not been very satisfactory at this point.