I think, in the first part of the question, you indicated that the number of disability claims that are denied has increased, but I think we also have to recognize that we've seen a huge, substantive increase in applications. I think it's really proportional, the numbers that we're seeing of denied claims, when we look at that as a proportion of the number of claims we are receiving. I don't think there's any trend there. We have to recognize that sometimes it can fluctuate a bit, but we're not seeing a huge increase in denials—
On May 8th, 2024. See this statement in context.