Thank you, Mr. Chairman. That amount the Minister just gave us on the losses that we have averaged in a year, is that the net amount after we receive...Right now, the existing program, or before this comes into effect -- maybe it already has -- anything over $1 million is claimable under insurance. So is that amount you gave us on average losses including the amount we receive back from insurance companies to replace facilities burnt, or is that just straight losses? Thank you.