He's the expert on this. What I would say is that there's a range of approaches, including voluntary agreements with insurance industries. In the U.K., this is now being tested as we speak. However, I read an article this week that said that it is already being looked at and that it probably doesn't work as a voluntary commitment.
Another approach can be seen in jurisdictions, like the U.S., that have a federal law and select state laws, so there are jurisdictional issues. There are other countries that you've studied.