I will start and then I'll have Charlotte fill in the blanks for you.
Certainly the changes in our programs are twofold. They're related to the style of delivery, be they grants or contributions. Grants always cause an upfront payment versus an after-the-fact payment, so it changes the timing of the expenditure and causes them to, as I said, hit the balance sheet sooner. As well, there is always an ebb and flow of the number of people who are partaking in a program, and so that causes the programs to go up and go down.
One would expect that, and what we have seen is that the new Veterans Charter programs are typically increasing in costs as people come to those programs in greater numbers. The more traditional programs, such as VIP, one would expect to see fall, the fact of the matter is that many of what we call modern-day veterans are getting to the age that they are now also availing themselves of VIP.
And I should note that I don't mean to imply that VIP is only for the elderly. It's for any veteran who has the need for that kind of household support by virtue of—it could be very definitely by virtue of—a service-related injury at a young age.
Charlotte, do you want to add to that?