I think we recognize that in terms of public policy, while there are real practical limitations like the ones you've just identified, we don't wish to be seen to be significantly out of step with the rest of the world. We look at having excess coverage. I do that on a personal basis. While I don't expect to have a problem with my automobile, I have excess coverage just in case. I think that probably provides some security.
Having said that, when I go to the market, I like to think that I can have the widest possible arrangement that lets me get the best price. That's no different from our members, who also want to have the broadest range of possibilities, moving up to the $650 million, which government policy has now identified. We support that, but we also want the access to the market so we have the most flexible opportunity for the best benefit of premium price.