Maybe this will be a multi-faceted answer, but when we look at SISIP...we're making it very simple for claimants. Essentially we have one application form that deals with the application process. Once we are aware that someone is going to be released for a medical reason, typically up to nine months, the process starts, and within three months...within six months of the date of release, we have the vocational rehabilitation plan, which typically is already in progress, and on the date of release the financial benefits start.
So we have a process whereby as soon as someone makes an application we have all the paperwork that is required. It's fairly simple. As I've indicated, SISIP LTD is entitlement-based, so we don't need to wait for medical records to make a decision. We can make the decision on the spot that this person will become a claimant. On the VRP side, they start the process, and we have someone who has the latitude to make all the decisions related to vocational rehabilitation. So he doesn't have to check with me at every point in the process. He makes a recommendation and he can approve his own recommendation. He has his vocational rehabilitation counsellors who do the same thing, and they can also make decisions on the vocational rehabilitation.