In terms of a study, I'm not sure it was a study, but when you turn to the Insurance Bureau of Canada, for example, it was leaning more into the zone of 50:50. I'm not sure that was based on a rigorous algorithm more than a gut feeling. What they were saying was that it's certainly not 24:1. It's, I think, probably very much in that zone of a 50:50 ratio that many people would agree with.
