You know, that's a case-by-case thing. You'd have to look at the situation of each employer and what they're looking for in their benefits plan, but it is a very competitive space. The majority are not-for-profits, as I mentioned, and I think you can infer that the profit being made in this space is quite low, even for the for-profit companies.
It's very important. We offer incredible value to Canadians. We're very proud of that, and as an industry, we compete really hard to make sure that we're doing the best we can for them and ensure that they have the ability to access what they're entitled to.