Yes, our first mechanism, really, is that typically in those situations we try to get one of our contracted physicians to call or to connect with the treating physician to discuss the findings. We find that dispute resolution technique positive, because when you have a clinician speaking to a clinician versus a government agency talking to a doctor, it doesn't always work out so well in our interest, so we try to get a doctor to talk to a doctor and come up with a plan.
If they completely disagree—the doctor says that this person will never work again, and we say, “Well, based on our physiotherapy findings and our guidelines, we feel this worker would have some abilities”—in the end that is a case where we would make a decision based on the facts and explain it all. There is also an appeal mechanism internally.