I have a question for Kristjan Hebert.
A few years ago, we were chatting, and I remember that you mentioned at the time that the biggest risk to your farming operation was government policy. Then we sat down and we talked a lot about private insurance, as opposed to government-funded insurance. I'm just wondering if you could tell us a bit about your experience, because you've dealt with a lot in that industry and you understand it very well.
Could you compare the two, what we currently have with our BRM products that are funded by the government and those that are private?