On your recommendation with respect to the long-term care insurance, you offer two options there.
Is there a preferred option?
And the second question that goes along with that is about providers of this insurance. Is the market of providers broad enough for long-term care insurance, especially when so much of this is part of provincial responsibility? And to the point that was made before, it would be great and we want to keep people in their own homes and that would be fantastic, but a lot of us have our seniors' homes and we have other things. So a lot of people are using those provincial services. How broad is the insurance market for long-term care?