I will try to address each of your questions. There were several.
In terms of current levels, class I members carry insurance in excess of $1 billion. That is quite a significant amount, and is considered by the insurance industry overall quite sufficient.
What we heard through the consultation is that the market for short lines is a more difficult issue and that all the insurance available for railways for third party liability is purchased by those in class I in North America. But I must also clarify that the access—