Thank you, witnesses.
David, I'm quite familiar with Wawanesa. When you were talking about locations in downtown Winnipeg, I was thinking about how I was there for most of a decade, nearby on Garry Street.
I want to ask about rural policyholders, of which I expect you have many. The rural residents of Canada face all of the same issues with respect to climate change and extreme weather events. I expect their experience recovering from those events is different from that of people in the cities. Perhaps you could elaborate on what we're facing through a rural lens.