Thank you very much for that question. Maybe I can take the first stab at it.
You say model 4 is probably the one you would favour. I would say maybe model 3 and model 4 would be the two models that would be roughly in the zone of where it would probably be the most useful for members.
If I recall the presentation from our colleagues from B.C., they we are making reference to a cost of $5 million for training, but that was exclusive of the system costs.
You also mentioned that we have seven systems to deal with. What would be the costs of moving to this? It's very difficult to give you a hard number. PWC gave a range of between $10 million and $150 million—