Thank you for your question. I will answer in English.
To some degree, we can isolate this into two separate programs. But for the rest of Canada you have to consider that people are potentially benefiting from the maternity/parental benefits and the sickness and compassionate benefits. You never know how that person will benefit or what kind of claim they'll make. In the case of Quebec, of course, they'll only have the sickness and compassionate available because they already have, through QPIP, the parental and maternity care.
So you cannot completely separate the two, but you can go through a conceptual exercise to say there'll be one group that primarily will want to benefit from this and the other will primarily benefit from that. Basically that's how we've done most of our calculations in terms of how we do the simulation.
We do have one group that is going to be primarily interested in the maternity/parental benefits. We estimate how many people we think will join for that and we have a very good sense of how many claims are going to be made. I think those numbers are driven primarily from the QPIP model already, so we've a very good sense of that.
So we know how many people will join, how many claims will be made, and the premiums. Then we have a second calculation for those people who will join primarily for the sickness and compassionate care benefits. Of course, that's their primary motivation, but they can benefit from all special benefits.