In the hybrid model, and I'll ask Greg to weigh in on this as well, for the sake of the smaller rail transportation companies that can't access large amounts of liability coverage in the same way the mainline carriers can, they would be supplemented in their access to funds by way of pooled funds that would be available in the event that there was an incident and they exhausted the level of insurances they would otherwise have. They would have access to additional funds that would be available to facilitate the cleanup and address the incident that was in play.
Greg, do you want to elaborate on that any further?