Yes, I'll conclude that.
We're proposing the hybrid model. We believe the insurance model is sufficient for the main line but not for the smaller companies. As we look at that insurance model, only a certain amount of insurance can be acquired jointly, whether it be by us or whether it be by the rail company. It's not like you can take what they can [Inaudible—Editor] up to their limits and then say the insurance model is big enough that you can add to that from others. The liability is captured by a global insurance market. Whoever buys into that market will be assessing the risk associated with that.