Thanks, again, Mr. Richards. I am going to start again by first of all indicating that we have to recognize that 80% of our claims are approved immediately. However, there are 20% that, of course, will go to the review board.
I think we also have to keep in mind that there are some complicated medical conditions, and the adjudicators, first of all, have to do their work to make sure the condition is related to their service. Sometimes, yes, there is medical information that's required and that doctors—