I can speak to the fund in Ontario. I want to give you some background, because there has been legislation in Ontario since 1974, a provincial travel act that provides for a compensation fund to reimburse consumers in the event of the insolvency of a travel agency or the wholesaler—because that was where the risk was.
There are limits on the fund with respect to payouts. The limit on any failure is $5,000 per person and $5 million per event. There is no cap on the fund. In fact, since we received delegation to self-manage the industry back in 1997, the fund has gone from zero to $30 million. We've really knuckled down on the travel agencies and looked at the risk of the industry, making sure that consumers' moneys are held in trust at the travel agency and wholesaler level.
Our fund has now reached a level of $30 million. We've actually reduced the cost twice. We've given an 80% reduction, but it is financed by—