Mr. Speaker, yesterday the Member said people are not stupid. They are not going to... Why get an insurance or work on a job if you are on the threshold? If you make $51,000, you have to pay a whole bunch of money. If you are $49,000, you are not going to. Of course, people are going to drop those as it is happening right now. We have lots of people that are dropping it. It isn’t only because when you are retiring, the government and HR employees say, well, you don’t have to keep that. People are not stupid. I’m sorry. People do what works for them. So that is why we are suggesting in this plan that for people on certain income levels, we are going to cover less than what the insurance will cover. That is the built-in incentive for people to go and get the insurance.

Now, insurance is dealing with those people who would, of course, if it is going to cost you more because your income is high to get it from the government, then you will get it from the insurance, because most insurance companies will cover 80 percent and that is a built-in incentive for people to get insurance.

The second thing is, yes, we have to work on improving how to ask people to get a third-party insurance first. The Member asked already how this is done in Nova Scotia. If you go to the government office to get a supplementary health benefit, they will ask you, do you have access under NIHB? Do you have access under Veteran Insurance Program? Do you have your employer pension plan? Do you have private insurance? If you say no to all of that, the government program comes in and we could look into that. I think that is a fine idea. Thank you, Mr. Speaker.