Perhaps I can first touch on the consultation issue. Industry Canada did run a very extensive consultation process, not with 160,000 corporations, but with a representative group of corporations over a period. I don't know how you would consult with 160,000. I guess you can send them a letter saying this is coming down the tubes.
In terms of insurance, yes, insurance is a big issue. A corporation such as the Canadian Red Cross can afford that. We don't like to have to pay the insurance, but it's part of our operation; within the budgets we have, it's just an operational expense we have to bear.
I don't know whether you've done a survey, Cathy, of the percentage of corporations that do have insurance.
I'm sure there are many not-for-profits in this country that operate without directors' liability. I personally sit on the board of one that doesn't have directors' and officers' liability, but that doesn't keep me awake at night because of the nature of the activity. I think many not-for-profits operate in activities that probably have very limited risk, but with others, of course, there's greater risk. Insurance is available, but at a cost, and not everybody can afford it.
Yes, that's a problem, but it's not a problem that is created by this bill.