I would just say that as a result of the intense competition in the Canadian market now, the risk premiums we would typically charge for these contracts have dwindled. It's a function of competition.
To quote the Auditor General in the U.K., value for money is a function of efficient risk allocation and competition. If you get those two things right, you're going to optimize your value for money, and I think we're seeing that in Canada right now with the tremendous amount of competition in the market.