I want to clarify a little about the hybrid argument that I was mentioning. What we're speaking to there is that we recognize that the scale of insurance that you spoke to that applies to the main lines in the order of $1 billion is a fairly heavy load for small rail carriers, and we're looking to try to find a solution for them that would be effective to facilitate their being able to conduct their business and still have access to appropriate funding to support them in the event of an incident.
In the short answer to your question, we still think it's with the rail carrier to be the party that takes on this insurance, but the cost structure would flow through to the shippers.