That's a very good question and normally there's a grandfathering clause for most contracts when you make a fundamental change—and that's reflected in the report that we've submitted to you. In this particular case, you have people enrolling and signing to one set of circumstances and then having that set of circumstances change in the mid-contract period with no grandfathering provisions. That's very different from what you would see in most changes. For instance, when you make pension acts and so on for a workforce, the people who have them previously get to retain them and it's from that date forward that people are told and get the new benefits. So we were very surprised that this change went into effect and there were no grandfathering provisions.
On December 10th, 2013. See this statement in context.