It could be a combination of either, Mr. Chairman.
The OMA, a large organization of 26,000 members, with an established track record, has its own investments and its own insurance processes. That group would probably take that on in their own interest, and they would probably lead that initiative. However, small provinces—Prince Edward Island, Nova Scotia, etc.—would probably turn to a larger umbrella organization, such as the CMA, and the CMA would take a leadership role in coordinating and implementing that for its members.