Thank you, Mr. Chairman. I've been commending the Minister for two days now for working with realistic numbers, and now I'm being told here we're working with best numbers. So I hope his best assumptions work out here, because the reduction of the insurance premium from $2 million to $1.6 million is quite drastic.

Having said that, I have further questions about insurance in general, understanding that this department not only takes care of the insurance coverage for the government and taking care of the risk management of government

assets, but also it regulates the insurance industry and such. I have a question about whether or not your risk management includes the NGOs or any arm's-length agencies or maybe even school boards and health boards. Sorry; I shouldn't combine those. Does your risk management work apply to any of the NGOs, because we understand that some of the NGOs that operate under finances or mostly getting money from the government, they are going through difficult times as well. I would like to know if the government has any say in that.

Perhaps I could just pose my second question in case I run out of time. In the Minister's budget, there was $1.9 million allocated for northern communities' insurance exchange. May I get some more information on that item, as well? Thank you.