Certainly. I think the question of impact to business has been an ongoing strategic exercise, for sure, because you need to look and determine what type of model or scenario it's going to be. I'll use some examples.
For example, if the principles were that it was based on a basket of drugs that were required by insurers and governments across Canada, and then employers were able to still have wraparound coverage for that, then that would be one impact to the benefit carriers.
There would be a different impact, for sure, if the principles were that there was a direction to have one national payer. Then, of course, there would be a major impact to the benefit carriers. I would say that, as a not-for-profit organization with capabilities, we would look at that as an opportunity as well, from the Blue Cross perspective. Again, it depends on what the scenarios are and which way you go.