Mr. Chairman, first of all, we would say our loss history has not been such that we would be seeing $10 million a year in losses. So there's a savings there. So I think our losses have been somewhere closer to $4 million on average. So it's unlikely we are going to, hopefully, see $10 million losses happening.

Once we reach that $10 million mark, if we had that kind of misfortune, there is no deductible after $10 million. Thank you.