Thanks.
One thing, Jamie, that you touched on a couple of times in your opening remarks, and you just did again, and Hugh really hit on it, is about the negative effects of programs. I've heard producers in my own riding say to me, “Larry, sometimes with programs, all you do is keep somebody in who normally wouldn't stay in, which creates competition.”
Could both of you just briefly...? I guess I want to be clear, and the committee needs to be clear, on where you're going with this. Hugh, could you clarify this? What you're saying is that we need basically an insurance type of program and we should forget the other programs. Am I clear in my assumptions? Is that what the two of you are saying?