I think Scott's covered most of it.
When the fund was set up in 1995, we purchased commercial liability insurance. Unfortunately, when we purchased it at that point, not all of our risks would be covered. I'm not aware of any company that can totally de-risk any of its risky items.
In 1998, largely stemming from the Graham James incidents, we added a sexual abuse component to our liability insurance. This coverage has been in place for the last 25 years, so that's a real testament to the reputation of Hockey Canada.
When setting up this fund, it was recognized that there are just some unforeseen circumstances where claims are not insured, and you can think of Graham James. The insurance companies were not going to insure us for those types of instances. I've already explained that, out of the claims that we've paid out of this fund of $7.6 million, $6.8 million of them have been Graham James related.
Yes, I can understand that the parents aren't happy. I wouldn't be happy either, but that's the reality of the situation. Some risks can't be insured.