I'll direct my questions to Ms. Porth.
From your testimony, I gather that you're proposing that a private insurance structure not compete with the provincial offerings but would be more in a complementary setting to it. Is that correct?
If I understood it correctly, further to that, perhaps we can measure it with a shift in public resources more toward the catastrophic level, i.e., the provincial offerings. Are you suggesting any subsidization of the private offerings, or is it totally private?
