Okay, thanks.
Dr. Forbes, in terms of the public-private mix, right now Quebec has moved to a system under which the public carries everybody who doesn't have a private plan, and private plans from employers are mandated to provide coverage to their employees, so it's exactly a public-private mix, and we've heard criticism of that plan here on two counts.
Number one is that it has proven to be very expensive on a per capita basis because of the administration costs of the insurance plan. Also what they're finding is that the private plans are cherry-picking. They are dumping the expensive costs onto the public plan and cherry-picking the cheaper applicants onto the private plan. These are some of the criticisms, if I have that right.
Has the CMA looked at the Quebec plan and done an assessment of the issues around that?