That's fine. Thank you. Your comments are very useful.
I'll now turn to Mr. Lipsett.
Mr. Lipsett, you said that the margin, the insurability of the program, must be set at 85%, because 70% brings us very close to bankruptcy. I believe that there's also the matter of the time frame involved in running the program.
Is there any way to improve the program's administration and to reduce the paperwork in order to speed up the compensation process?