Thank you very much, Mr. Chair, and thank you to the witnesses for being here. I'm not a usual member of the committee, so forgive me if I ask a question that has already been covered in the first round of your testimony.
With regard to copayments, Professor Morgan, specifically how does that work in other countries? What would happen if a person were not able to pay a copayment in a universal pharmacare-type system? Are there allowances for that in other jurisdictions that have the type of plan that we're discussing here today?