That's right, but this is not to say that we're not able to set them up. We are able to set them up. We just don't resort to that.
What we're saying is that having offshore companies gives an advantage, obviously. It seems to be giving an advantage, and what we want you to do is take a look at that and see why there is an increase in those offshore companies and how we can avoid that in the future.
We suggest that one of the ways to do so is to have within Canada, just like they have in Europe and in Japan, a tax-free catastrophe reserve that would be there for both man-made and natural catastrophes.