Thank you, Chair.
Thank you, professors, both of you. I appreciate your taking the time.
Professor Mintz, I believe it was you who raised the experience rating, and that was fine until you got to the part where you made reference to Ontario's WSIB. That caused me to generate this question. The experience rating at WSIB right now is a nightmare. In fact there was just an acknowledgement by Steve Mahoney, a former member of this place--and I served with him in the Ontario legislature--who is the chair and who has acknowledged that the whole system is just a nightmare. There are companies that are finding it cheaper to have employees who are injured sit in the lunchroom and pay them their wages rather than have them make a claim because a claim affects this rating. The downside for the workers is that without a claim going in, if they have a problem down the road, particularly as they get older and the problem becomes a debilitating injury or illness, for that matter, they're out of luck.
There is more money paid out--unless it has changed since I was there, which is going on five years ago--in experience-rating benefits than there were benefits to injured workers. So I'm just trying to understand how, given that experience in Ontario, you're seeing it as a real plus nationally. Maybe you can help clarify that for me.