Perhaps next time Mr. André would like to suggest to his colleague that when he's talking to the committee or talking to the witnesses, he not refer to political parties and look directly at me, which he did a number of times, direct eye contact. Thank you very much.
My question is for the actual witnesses here today. Could you tell me who pays the premium? We talked about how it's taxable. In my business experience, we recommended to all of our staff members that they pay the premium so that it wouldn't be taxable. That's the idea. Is this something you're familiar with? Do you know the details of it?