Absolutely; however, Mr. Pacetti, that assumes that the vendors of the insurance product are facing roughly the same cost structure. The fact is that the private insurer has much more costly capital because it is not backed by--
Vice-President, Research, C.D. Howe Institute
Absolutely; however, Mr. Pacetti, that assumes that the vendors of the insurance product are facing roughly the same cost structure. The fact is that the private insurer has much more costly capital because it is not backed by--
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