I can jump in on that.
Yes, there are two issues with insurance. One is that hotels that had paid business interruption insurance are not getting covered, so that's a big challenge. The other challenge is that the insurance companies are now telling us that, effective December, they are not going to cover us at all because we're too much of a risk.
You can't run a hotel without commercial insurance, so it is a huge issue, but it is a provincial one, and it is one that our colleagues are working on.