Thank you very much, Chair, and thank you to our witnesses for contributing to our study on the BRM suite of programs. I sincerely appreciate having your expertise today.
Dr. Ker, I'd like to start with you. In your comments you were mentioning how provincial Crown corporations are largely responsible for the delivery of the programs. You mentioned how they participate in reinsurance programs, and you had mentioned a federal reinsurance option that wasn't used all that much. Just so our committee has that information and it's on the record, can you maybe go into a bit of detail about that?