Right off the bat, we have to understand that we're changing to a for-profit insurance company from a public service. A public servant's mandate is not the same thing as, say, Blue Cross's mandate.
The reality is that in those treatment authorization centres, for those analysts who work with the providers and the veterans, if you were to look at their job description, you would see that their job literally was to try to help that person get approved. That's not what Blue Cross's mandate is. Any time there's a change, any time that you're going from a dedicated public servant to a for-profit insurance company in the exact same model, there are going to be issues. That's what we're seeing. There's a level of thoroughness that is not there anymore.