Mr. Chair, maybe I could attempt to clarify.
There are 20 Canadian insurance companies that belong to the insurance pool, and they are the ones that provide the insurance themselves. They are listed on the policy and they each have a certain percentage of the $75 million limit. These insurers have established NIAC as a representative for them. It's in a sense instead of each having an underwriter who is knowledgeable with respect to nuclear insurance, they established NIAC so that they could have one or two people who would be responsible for that. That's Colleen DeMerchant. It's effectively an association of the insurance companies that provide the insurance.