I'm not able to speak to any specific investment or any specific policy that's been underwritten by our members. That's under the Competition Act. I can't speak to that.
However, when you're talking about the focus on, in particular, the physical risk and the threat and the challenge that we face from a pricing perspective, I think that's very real. We've seen it quite clearly in the last few years. StatsCan has just released updated, new data on the impact that is having directly on insurers. Ultimately, it is also having an impact on consumers in this country.
The rationale for that is what I mentioned in my remarks. The country is becoming a riskier place. Essentially, policies are priced on risk, and as community or household risk rises without corresponding investments to make sure that we're mitigating that risk, which is incredibly important—