I wonder if, perhaps, you might be referring more to the certificate of insurance, which is a feed-in to the certificate of fitness. There's no doubt that the insurance market is pretty constrained, and there are only a few in the market of underwriters internationally, and the international field that supports this kind of insurance is fairly constrained. It's intuitive that small short-line railways would be more effective, but I think that's why the Safe and Accountable Rail Act set thresholds with regard to volumes and with regard to the nature of goods being carried, such that they can make choices accordingly to ensure that they have a business proposition that is marketable and profitable.
