Can I just come back for a minute? The one big distinction is that in the U.S. the insurers are not allowed to increase premiums. They cannot put caps on the benefits they pay out. That's just to clarify that's one reason why they lose money, and insurers in Canada would not.
As for other places, the impact on life insurance will be measured over an extended period of time. I'll give you an example. Somebody takes out a life insurance policy after finding out that they are a carrier for Huntington's, for example, at the age of 30, and they will not die until age 45 approximately. You could do mortality studies year after year and you would find no distinction at all between those people and the rest of the population. It would take more than a decade before the impact would be felt. To my knowledge—