Thank you.
I have some questions for each of you. A lot of them are about ground that you've covered a bit in either your opening statements or maybe in responses to other questions, but I think there's more room for you to go down the road on these things.
I'll start with you, Ms. Stewart. You've probably heard—it's quite a common saying amongst veterans—the triple-D policy of “Deny. Delay. Die.” You touched on this a little in your opening statement, I would say, because you talked about VAC processes not being clear enough and there being too many gatekeepers. I know you had a chance to respond to a question about this a bit earlier, so that, in my mind, speaks to the “delay” part of it.
I want to give you an opportunity to expand a little further on the “deny” part of it, because in your opening statement you also referred to Veterans Affairs Canada as Canada's meanest insurance agency. I'd never heard it put quite that way before, but I've certainly heard the sentiment from many veterans over the years. I want to give you an opportunity to elaborate on that. When you talk about VAC as being Canada's meanest insurance agency, explain to us what you're referring to there.