Just very quickly, I might add that we were living—and we still live, in large measure—in a paper world. If you think about what would be required in terms of mailing paper, mailing paper between offices, between VAC offices, storing paper, retrieving paper, the number of people just handling paper was phenomenal. By starting to move towards electronic processing, we are really making big steps in terms of improving the speed, with fewer hands touching files, with more to come.
