I'll try to respond to this as best as I can. It might be interesting to note that in the United States, there is no requirement as there is in Canada for a railway to specifically acquire third party liability insurance. There is no government oversight or requirement in the United States similar to what we do at the agency,
I met with my colleagues at Surface Transportation Board, which is sort of a similar organization to ours. They told me that they do not have information at all about what levels of insurance U.S. railways are holding. I have some difficulty reconciling what the Association of American Railroads provided with the regime that exists in the United States.