Okay, normally you advise your insurer because you're potentially going to seek compensation. I'm not sure that, if the insurance company's not covering anything, they need to agree or not agree to consent to settle the claim. Basically it sounds like the two parties agree that Hockey Canada would settle the claim out of this reserve fund and that the insurance wouldn't pay anything.
I'm trying to understand how the insurer may potentially cover a claim that was settled in this manner by Hockey Canada. I've never read an insurance policy that would allow such a thing. Can you explain if you believe that the insurance company may potentially say, “Yes, we're going to pay out this claim based on Hockey Canada having done the type of process that it did”?