Thank you, Mr. Chair, and thank you to all of you for being here. We appreciate your expertise and what you bring to the service of veterans.
I'd like to ask everyone a question, but I will start with Mr. Gannon.
You talked about a shift in terms of VAC and the fact that at one point in time, benefits and pensions were determined in-house, and then it was switched over to Blue Cross, and now the rejection rate is significantly up. I wonder if you could provide a history around that shift. What was motivating it? Why was there that shift?