A. We do not make referrals to carriers/TPA if we see claims are already being denied by the carrier/TPA. However, there are cases that carriers/TPA claim to have been identified as FWA prior to SmartLight involvement, yet the carriers/TPA continues to pay the claims. In these cases, SmartLight will intervene to push for pre-pay review and denials for our clients and will be included in the Realized savings.