I'll pass it on to Rich for a second. I don't know if we have a specific process outlined for these types of situations. As situations are raised to the divisional level, they're looked at on their own merit. As I explained, these processes are very complex when you start dealing with pension annuities, disability, and CPP. They start to be about numbers and they're extremely complex to address.
As far as I know, Rich, we don't have a specific process to address them.