Thank you, Chair.
Maybe I can follow up with Mr. Hermanson about what you just said about this idea of—we had a dozen places that had some issues, and you had some players who exceeded their bond capabilities, whatever they happened to be, whether it was a bond or whatever securities they have. Can you explain to me how buying an insurance policy would mitigate that risk if somebody decides they want to go beyond their ability to pay or the ability of the insurance company and the policy they took out? How do you stop that with an insurance policy versus a bonding, or do we not?