Yes. However, we don't need to take anything away. Those farms that don't want to buy private top-ups or other solutions out there can exist in the way they always buy their risk management.
I would reframe it to say that the private sector is very good at risk underwriting. That will enable us to move from such a reactive to more of a proactive system, and it answers what Karen said in her last response around creating an incentivized system. Farms that are de-risking will see themselves eligible for higher coverage, more premium discounts, and those types of things. I think it's really around the ecosystem that doesn't exist.
I would add one more comment: that it is complex. Insurance is very complex, especially how it fits together. What we are missing in Canada is that advisory and that service that we have not developed here. We're asking government to do everything, and the private sector has an important role to play as well.