I think you need to look at different delivery mechanisms. If you buy house insurance, the insurance broker who sells you that house insurance will explain to you what the coverage is, what your options are and how the insurance program works. If you go to a provincial crop insurance administrator today, you will have a hard time getting answers to any of those questions. The incentives and the motivations aren't there for them to do it. Too often, we don't ask tough enough questions about the job, or lack of job, these provincial delivery agents are doing.
We often talk about reform and potential. It's also important to acknowledge the barrier that provinces present to getting changes and outcomes today. We have this framework that effectively means that most of the large provinces need to agree on any changes, and if somebody wants to stand in the way of change, they can. Too often, the federal government, to be honest, gets the blame for that, when it's actually the provinces that are the problem and stand in the way of reform. They tend not to do a great job delivering the programs, either.