I think the biggest challenge is the one around the evidence that needs to be collected in order to proceed to the board, and that evidence most often has to do with medical reports. It can be difficult at times, first of all, to find a family doctor to provide that report, and secondly, sometimes the family doctor's medical report isn't sufficient. As you go up the chain into the specialist world it becomes even more difficult.
We do pay for it for them. We'll pay for a specialist's report, but we have to be able to find a specialist to do it.