The final step in our data gathering is settlement targeting. DRM is proud that we have generally been able to achieve a settlement amount within 10% of our targets. Insurance companies have long relied upon computer-based risk modeling and allocation programs to develop desired settlement criteria. DRM's proprietary software, Focus, is a tool used to replicate the insurer's computer analysis and provide a two-tiered probability structure for potential allocation and settlement. DRM's experience in negotiation allows us to fine-tune the targeting to develop a settlement target that meets the needs of each client. Once settlement targets have been established, DRM then proceeds into the negotiation and settlement phase of the comprehensive insurance resolution service.