We had been paying for it actually all along. When we were a state agency it was a transfer from our state budget, and we just continued paying for it when we went private.

It's not life insurance; it's wage replacement. It's trying to make the injured worker - or their family, in the case of deceased worker - maintain their lifestyle, their level of income.

We've got some transition to make over the weekend in terms of our signage. That's probably the most visible thing.

Moving has been a work in progress and will continue into January. A lot of those folks have already made the move, but it will be next month before everyone is physically moved.

All of that will be accomplished this weekend after the close of business on Friday, weather permitting -- and it doesn't appear that weather is going to be a problem.

The greatest advantage of these highly sophisticated and affordable systems is the speed and accuracy with which people can be identified.