I would like to add that one of the trends we're seeing right now in terms of what I saw in conferences by human resources management and collective insurance group managers is a lot of what we call coordination between private plans and public plans.
A lot of provinces are offering catastrophe coverage, and it becomes an opportunity for different employers. When you have one employee with a rare disease, for example, that costs a lot of money, basically what you do is dump them on the public plan that has catastrophe coverage.
In fact, the public plans believe it's their job basically to cover these bad risks, but we end up with a system whereby we organize public drug coverage in Canada in terms of serving the commercial needs of private regimes instead of just providing good access for all Canadians.