Yes. Agriculture is a volatile business. In managing that kind of systemic risk in extreme years, reinsurance plays a very important part, whether it's from a Crown perspective or whether it's a private insurance carrier bearing that risk. There's technology and capabilities today to underwrite risk to an individual level and, from an actuarial standpoint, to price risk to that true cost over time. We're not doing that in Canada. It's overly simplified, and it's backward-looking, which is another reason that we feel like it's not keeping up.
