Well, yes, certainly, if you mean by “service”.... A typical plan will cover prescription drugs, will have dental and vision coverage, and will have all the paramedical services and travel coverage, so there are a suite of solutions that can be provided there, and employers can have some flexibility in what they want to offer. At the end of the day, the package that they want to offer to their employees is their choice.
With respect to the drug class, yes, we absolutely do see employers covering certain classes of drugs and not others. You tend to see that in the higher-cost areas—in some of the rare disease spaces, as examples. Certain medications are considered on and off, and different employers will have a different tolerance for how much risk and cost they're prepared to sustain.
We do have a variability in what's offered to Canadians and—