Look, I don't know how quickly the government is going to move to set up this insurance framework. I hope they would do it expeditiously, because I think it's so important for Canadian families. Will it take a year, or will it take two years? It might, but if it does, in the end it will allow for the purchase of insurance from other countries, and I think it's worth the wait. I honestly do. We should get it right. The government should do the hard work necessary, but it will be so great for Canadian families.