Yes. Obviously the government has introduced new tax credits, including for teachers. I would say perhaps that might be a great topic for you to look at at some point, because I know many school districts in British Columbia where the parent advisory councils give a payment to the teacher, and one of them, I know, gives $1,000 to the teacher, and then the teacher buys school supplies.
Now, if that person is being honest, I think we don't have an issue with that, but if that person then claims the tax credit for monies they were given, I don't think that's exactly what the tax credit was for.
I certainly appreciate the work you've done and your discussing your ideas here.
I want to talk to the mutual insurance companies. Many of yours are either mutual or co-operative, which basically means that at the end of the year, if there are any retained earnings, those are returned to your membership. Is that correct?