 Well, can't they also keep costs down on the other side of it if people are within the same system? They can keep costs down, but they can also jack them up. So if you think about this, UnitedHealthcare wants to be the one to tell you which specialist to go to because UnitedHealthcare is going to choose a specialist that has a cheap price. But if Banner is going to tell you which specialist to go to, they're going to choose a Banner specialist even if they're not the lowest cost.