Yes, that's a very interesting question.
Sometimes things evolve based on political decisions or motivations, so that might also have an effect.
We came from a situation where there was more or less a clear distinction between the insurance companies. They were more regionally organized. They were not self-sufficient but they were relatively self-standing organizations. They were non-governmental organizations, so the thought behind that was to hand them the tools to create a system that was a non-centralized system, or a non-monopoly system, to create sort of a market system, because of the position of the insurance companies and the care providers that were already there. The mechanism was already there, and it had to be regulated in the right way....