In relation to the third party liability, it was an issue for the volunteers. Going back to the year 2000, roughly when the national HAAC started, it was one of the major concerns at the time, because the industry, as volunteers, were saying they were federal assets and the federal government should be responsible for third party liability insurance. We kept making our representations and message to government, and they did listen. The cost of the third party liability insurance is now covered by Fisheries and Oceans' small craft harbours branch, and it's a load off the volunteers' shoulders in relation to that. As you can appreciate, you're down there as volunteers, and if somebody gets injured, there are lawsuits, liability, and it's a stressful item for the volunteer to be bothered by worrying about it all the time.
In addition to that, the secondary part, which I believe Luc presented and he can speak to, is the directors' and officers' liability, which was the next step, and personal liability or bodily injury. Luc can speak to that, as to what activities we're undertaking nationally with small craft harbours branch to deal with that. It was the most recent concern, from an insurance point of view, for volunteers across Canada.