Thank you very much, Mr. Chair.
I want to thank the witnesses for being here and helping us with our issues with pharmacare programs.
I realize, too, that in every country things pretty much evolved a little differently and that you've come up with your own solutions. But, Mr. Golja, looking at your system in the Netherlands, I see that in the 1990s you basically had a system similar to Canada's, where you had, really, public and private health insurance plans. Then you began to unite them both into what you're calling this managed competition model, in which every person is basically obliged, if they can, from their own pocket, to buy private insurance, but the benefits would be specified by law. That's been going on since 2006. Because that seems to be similar to what Canada had, I wonder if you could enlighten us on what challenges the Netherlands faced in transforming its health insurance system from this mixed public/private health insurance model into a single-managed competition model.