I'll speak for The Co-operators first.
We're an insurance company like any other insurance company, so we're subject to all of the same rules and prudential regulation as others are subject to. As you likely know, for federally regulated insurance companies, we have requirements with respect to actuarial assessment of our liabilities. We have requirements with respect to peer-to-peer reviews that are done; that means someone outside does a review of our actuarial liabilities. We also have a pretty stringent system of DCAT testing.
As a federally regulated insurance company, we're like any other insurance company. We're assessed in exactly the same manner. We don't have some special break whereby we can assess risks differently. We assess exactly the same as others do in the marketplace.