Yes, your last expression I would agree with. As I mentioned in my presentation, we have analyzed the claims history of every federal railway over 10 years, and we never had a situation where those claims exceeded the levels of their insurance.
Lac-Mégantic was clearly a unique, a very unfortunate, tragic event that brought everyone to review the way we look at insurance.
For day-to-day operations, MMA's level of insurance was $25 million per occurrence and actually $50 million in aggregate, which means they could have two events of $25 million each in one year. So for day-to-day operations, we consider that adequate, also because it was in line with what similar railways with similar operations held.