This is exactly why we're saying that we need a catastrophic regime for the short line. There are two policy questions there. How do you bridge the gap between whatever level the CTA establishes for MMA, say $25 million, and the billion or billion and a half dollars that CN has? That's the first policy question.
Then the second policy question is, how do you fund more serious incidents involving those in class I? We're not prescribing what an upper limit should be. There's going to have to be a pooling to deal with both situations.