Thank you, Mr. Chair.
I'm having a hard time connecting the relevance. I understand what Mr. Laframboise is asking about in terms of the process by which insurance is evaluated for licensed carriers. But it was one of your colleagues in the last meeting who said, to questions put by Mr. Julian, if I recall, that if you make this too onerous for small carriers, they will willingly revoke their insurance, which would then make their licence effectively lapse. Is that what I heard her say, that this was a technique used by small carriers, by seasonal carriers, on a regular basis? It's a technique used to basically say that they're no longer governed by your licence provisions because they have no insurance, right?