Yes, there's a clear indication in my mind, because in a former life I was an insurance broker. But the insurance of ships, whether they're big ships or little ships.... I believe one of the witnesses coming before you next week is the Canadian Board of Marine Underwriters, if I'm not mistaken. They could perhaps speak a little bit better to the point.
The idea of the Athens Convention was that big ships would have insurance, and it would be compulsory insurance, and there would be a strict liability regime in place to back that. Other than Mr. Bowie's association and the Great Lakes fleet, we don't really have a deep-sea offshore fleet in Canada. We are a nation of importers, so we have a lot of foreign-flag vessels coming into our Vancouver, Halifax, and Montreal gateways. And all those vessels that come into our ports come in with insurance through mutual associations of shipowners called protection and indemnity associations. So they all have insurance. All the passenger vessels are enrolled in the P and I clubs—there's an international group of them. So they all have insurance.
In the small vessel context, the small vessels can get insurance in Canada, whether through the insurance companies that are headquartered in Toronto or in Montreal. So they can get insurance.
The issue is that if you take an activity such as adventure tourism out of part 4 and the need for compulsory insurance and then put it back into the part, as it has always been, the good operators will get insurance because they're good operators, and the bad operators will not have insurance because they're bad operators. They want to try to keep their costs down.