Thank you very much for that.
I'll begin with a quick reaction to something Dr. Hoffman said. I understand there are many problems here, but for me coverage or access is fundamental. The costs and utilization are important but secondary, just in terms of fairness and equity, to think that some Canadians don't have access when others do. I think we solve the other problems on the way to solving access.
My questions are focused more to CIHI. There are 35% covered by private insurers. I would assume those are mostly employers. What is the advantage to employers if we move to a universal model? On top of the drug costs that you identified, they would have an admin fee with their insurers associated with that. Do you have any sense of the order of magnitude of that admin fee?