Mr. Luc Taillon at the Human Resources, Skills and Social Development and the Status of Persons with Disabilities Committee

I understand your question.

I think that's one of the reasons for keeping the premium rate relatively low. It's to make sure enough people are interested in joining this program. By keeping the premium rate relatively low, you will have an influx of contributors, which will make this an overall break-even, but there's always some danger involved with a voluntary program. It's a balance to make sure there are enough people joining the program, not just high-risk people.