I want to return to the question of liability or joint liability. A professor testified at this committee not long ago.
Let me just back up for one second. It's the railway companies that said they are butting up against a cap, if you will, in their ability to get more insurance out of the marketplace. You're proposing that they take on additional insurance. Clearly there's not agreement about their capacity to take on more insurance. Is the model you're proposing going to work if they're saying they can't get any more insurance out of the marketplace?