Right. Okay.
Mr. Hamilton, I just want to go back to you.
We talked about the change in the process in the summer of 2020. You've stated that there were 700,000 unwarranted applicants. You mentioned that you couldn't do it earlier because you didn't have the previous year's tax information. Walk me through very simply. I'm not a tax person, thankfully. April 1 is tax time. When did you have that information and when could you have changed it?
It sounded as though you changed it, from what you said, based on intelligence you were receiving regarding some fraud happening. Would you not automatically make the change when you had the tax information from the previous year?