I might also add that I've heard from a number of people in the employee insurance field who say this is a rapidly evolving, changing coverage. Because of the high cost of some drugs, many employers are down to 50 % or 60% coverage, and some of the really expensive drugs, some of the biogenetic drugs, are blowing some of these smaller plans out of the water, so there is a need. Any Canadian who thinks they're secure because they're employed and they have their own plan already.... I think a change is happening in the sector.
The worst-case scenario is $20.4 billion. It looks as if we can cover all the employees and their families with some kind of payroll support and still give back a windfall to the private companies. What do you think is the real cost to the federal government?