I think it's very important, Mr. Rafferty.
There are two avenues. There are the AMPs, which are heightened in this bill. There's also the ability in this bill for a judgmental system that would actually go beyond the $5 million. That's there, and it's not capped. If a judge found criminal intent, he could go beyond the $5 million and make that recommendation.
On the other side, you have civil or common law, in whatever province. They can to go to that company and bring a class action suit. Consumers, consumer groups, or a lawyer will take everybody to court, and those actions are usually uncapped. In the case of XL, there was a negotiated settlement, some $27 million or $28 million, between XL and the people affected.
There are those two streams.