I'm sorry I can't follow up on that, because I think all of us would be enlightened by just following it step by step to see how practical these things are.
Mr. Lafrenière, on your argument about catastrophic reserves and that you're disadvantaged vis-à-vis your insurance competitors, essentially what you're proposing here is that effectively you've set up a catastrophic reserve fund as a tax-free entity inside Canada, as opposed to your competitors, who set up a tax-free entity for catastrophic reserves outside Canada. Is that the nub of it?