I mentioned one of the barriers, which is that some insurance companies in some jurisdictions—and we only need to look a little bit further south of us to see that in practice—are very active in telling hospitals and other health care providers what they should be doing. That's not part of the Canadian norm and that would be a real shock for our health care system.
Similarly, some providers debate whether or not certain payments should be made. Again, those increase administrative costs, so we need to be very careful about designing a system that minimizes those types of debates. We also need to be worried about the credibility, the size and the respectability of the insurance companies in question.
Again, I think there are appropriate mechanisms that could be put in place to assure that kind of quality for insurance companies from many places around the world.