 One of the pieces of this is the payback model. I know that recently has been updated and changed. That's always the hardest thing. I know talking to other CIOs, it's something that they love to hate or hate to love. Can you talk a little bit about that payback model? It seems to, I think, doesn't get enough credit for actually working as a model. I think there's a lot of questions over, well, are they really paying it back? And I remember