I'm curious about the billion dollars. Clearly, the railways do their own risk assessments, and I guess that's proprietary. It hasn't been shared with us, blah, blah, blah. But the testimony was that their insurance coverage exceeds what's in the act by $500 million, so the question went to the minister when she was here: what is the department's risk assessment that would get us to a lower amount?
Can you unpack that for us and tell us what went into your risk assessment? What are the numbers? What's the math that brought you to the conclusion that a billion dollars was sufficient?