I can approach the answer from the standpoint that what we're talking about with regard to the hybrid model that was discussed is exactly to ensure that we cover the small rail lines with an adequate form of liability coverage. The reason for that need is that the smallest rail transporters don't have the capacity to access the larger market for the sake of liability coverage. That's why we've proposed a hybrid model that would facilitate their being able to take out whatever insurance they can, which again is something that ends up being paid for by the shipper.
Then they can supplement that with pooled resources to find a way to—