Exactly.
I think one thing that's really lacking in Canada is choice. We've heard that from producers. Part of it is that we're relying on these BRM programs to do everything. As the risk gap increases, those programs can't keep up. Even though we keep putting money into the program, it's not enough.
If we look at other jurisdictions, the U.S. is a great example. They have a very coordinated public-private ecosystem. That's really what we're missing here in Canada. That's a kind of innovation flywheel around.... Even with just the last question and the last speaker, we talked about the regionality of risk. If you have the private sector come in, that's where you get the innovation in terms of products, technology and whatnot.
Today what's preventing that is the way the subsidy is allocated. Let's assume we can do it as cost neutral. The way we're doing it is sixty-forty up the entire risk stack, so it becomes very difficult to coordinate buying so much public insurance and adding in a little bit of private insurance.
Really, it's around creating an optimal portfolio of risk management. That's the part I would encourage AAFC and the broader group to really consider. I don't think it's that big of a change to facilitate that. It's just our current structure that's getting in the way.
Did I answer that question?