Madam Speaker, my question to the member once again deals with the adventure tour operators. It seems to me that one of the ways groups got around expensive insurance programs in the past was to develop their own self-insurance program. In fact, 100 years ago when Prairie farmers could not get insurance for their farms, they banded together and formed mutual insurance companies, like Wawanesa, Red River and all sorts of other well-known insurance companies, which are around to this day.
Perhaps the adventure tour operators, if they find insurance too expensive, should get together and self-insure and develop a pot of money that they could use to pay claims. Then they could insure—