I want to focus on the consular fees and try to get some clarification on that point.
It just seems to me if we're really selling an insurance product or we're dealing with an insurance product, any professional in the insurance business says this is a game about anticipating the risk and assessing the risk, and things like September 11 or the Lebanon situation happen. They say these are just out-of-the-norm circumstances, but I think everybody in the insurance business knows that you have to make an allowance for those sorts of events, because they do happen.
Pick up a newspaper any day. There can be earthquakes. There can be calamities. There can be all sorts of disorders that happen in the world, and they may affect Canadian citizens and create quite a liability. So if we're really running an insurance service, I think we have to have a margin of safety or reserve built into that program to allow for these sorts of extraordinary events if they occur.
Do you disagree with that, Mr. Rigby?