Perhaps I could just add a quick example, and I agree, we do it every day.
When I was with our home loan section 10 years ago, a veteran would have had to fill a form out, which would have gotten sent into VA, and then one of our claims people would have typed what we call a certificate of eligibility for the home loan benefit and mailed that back to the veteran. Today, a veteran can go on eBenefits and literally click a button without entering any data and generate that certificate of eligibility. So with a click now they can get their certificate of eligibility.