So applying a real-life example here, let's say someone already has $50,000 of coverage in-force already from a previous year's enrollment. They are now wanting to increase to $200,000 and the entire increased amount ($150,000) is pending for EOI. Voya approves this $150,000 increase, which means the member will have $200,000 of total approved life insurance. Here is what I assume we should pass based on the definitions above. Does this look right to you?