I was just going to ask the same question as Mr. St. Amand.
The complaint has come through from the industry with respect to the high charges of premiums on insurance, as compared to Britain and perhaps the United States, although it's a different system in the United States, so why don't we have a hybrid? Why can't we have a portion of the liability covered by a real reserve pool contributed by the industry? It would require some provincial legislation to allow that to occur. To keep the insurers honest--and that's to you, Mr. Murphy, and I don't pretend to understand the industry--why not have a portion covered by insurance? Would that not be in the public interest? Then you would address the concern raised by my colleague with respect to having the government as the ultimate insurer at the end of the risk.
Thank you.
Thank you, Mr. Chairman.