Thank you, Mr. Chair.
Sticking to liability, your suggestion that those in class I have over $1 billion of insurance is counterbalanced by the Association of American Railroads saying:
Should an incident occur within or near a densely populated area... [it] has the potential to be truly catastrophic and result in billions of dollars of personal injury and property damage claims.
The damages potentially resulting from an exposure could risk the financial soundness and viability of the rail transportation network in North America.
That's what the Association of American Railroads said to you in your study. How do you respond to that? How do we deal with that?