I'll start with a very global perspective. The program has evolved throughout the years. This is not the program that was signed for as insurance in 1967, let alone 1975. That is what those individuals experienced at the time. Unfortunately, the programs and processes—and I'll let Ms. McIlwham speak to that—are amended, and the next person goes through and doesn't experience that. The happy customer never complains because it isn't there.
Specific to the issue of forms, I'll let Manulife speak about how they've modernized their processes in the last few years.