I'll give you the example that we used, the veteran benefit teams. We piloted the veteran benefit teams approach. Again, that's bringing everybody together to make sure we have a full team to make a decision on a file without actually leaving.... Based on our pilot, we think that's about a 10% improvement in productivity in terms of output and decision-making.
With respect to your question on the element of medical referrals, that one is a bit trickier to measure. It will be in stages as we are able to build the models that need to be used for a variety of claims. As we build each one of them, we expect there's a benefit to that. We'll be able to measure that benefit as we build each of those models, but it's a process for that part.