Thank you, again, Mr. Chair.
Mr. Hall, I'm going to go back to the insurance question.
Having had a little experience in the insurance industry along the way, I know those rascals don't really like to pay out money and that they will look for ways of doing things on the cheap if necessary. I'm just giving you that preamble so you can get your thoughts together on this question.
When there is a loss and there is debris washing up on the shore, and the insurance company knows it's going to have to help to pay for that cleanup, is it the one that then calls the shots in terms of who is hired to do that work?