Hopefully I can ask a couple of specific questions in my remaining time.
As a long-time doctor, I am more familiar with being on the other side of the stretcher, but as someone who occasionally has used the health care system, I've been frustrated with some of the payments I've had to make that I thought were covered.
One is that I was surprised when I once got a bill for an ambulance ride. Another one is maternity benefits, for which there always seem to be gaps in our government-provided coverage. A third one is physio, which Ms. Kusie brought up. I thought that you actually increased the benefits for physio.