To answer your question, as I mentioned earlier, one-third of our business is not served at the current time by the private sector, almost 25% of that in rural and remote areas of the country. That area of our business has a claim rate about 45% higher than in urban centres. That is the natural process of selection today between the private sector and the public sector.
With more private sector entrants coming into the marketplace, if they followed a similar pattern we wouldn't expect to see any different results. If, however—and there is no guarantee—new entrants were to select even the better portion of the market, somebody is going to have to be able to serve all Canadians everywhere they exist. We don't have evidence—