Yes, sure.
If, in fact, the reserve falls below zero, the federal government does have an avenue—I think it might be even zero interest or whatever—where the provincial Crown corporations can borrow so they no longer go into debt or anything like that. There should be a certain level of reserves, and they need that to run the insurance program, but these reserves could handle 25 years of the worst losses ever all in a row. It's well beyond where they should be, particularly for a public program with a central bank and treasury. You never see this in any other developed country.