Mr. Wallace anticipated my question, so I just want to pursue that a little bit more. Essentially in this, what's being described as a super CPP or additional savings, you have three choices: you can go voluntary; you can go mandatory; or you can go, in effect, with negative option billing. It seems to me that from what all of you are saying, voluntary is just a waste of time. It just won't happen. So then the choice becomes negative option billing versus mandatory. I'd be interested in your thoughts, first of all, both Mr. Whitehouse and Mr. Ambachtsheer, on that choice.
Then the second issue we've been hearing a lot about is whether it's a public model or a private model. I think what you were saying, Mr. Ambachtsheer, is that if it's a public model, i.e. wholesale, then the costs are 0.4%. If it's a private model, your costs then effectively become 2%. But if you don't in effect create a private model or option, shall we say, you make a lot of insurance companies and banks very unhappy indeed.
Could you elaborate on those two issues for us, please?