I think that partnership is essential. Canadians look to their insurance companies, rightly, to protect them, but when climate risk becomes a near certainty, it's no longer a risk but rather an almost certain event. The role of insurers there is very limited. That's not how the insurance system was designed.
For Canadians to have adequate protection, there needs to be that partnership between insurers and the government. We've started down that road. We're certainly very open to it, and I think I speak on behalf of the industry when I say we're always willing to come to the table, because these discussions are essential.