I'll very briefly respond, if I might.
There is no insurer in Canada that is immune to these challenges. It is a hockey stick curve. Last year was a significant.... We've all heard the $9-billion figure. Interestingly, this year, at least from an insured loss perspective, was not a bad year, yet the human hardship, the disruption, was profound across our country.
Every insurer is invested in this. Every insurer is at a different point along their journey through our partners at the Insurance Bureau of Canada. You heard from Paul Kovacs this morning. There's work we're doing collectively, but I don't think there's an insurer in Canada right now that doesn't have some plan, because this impacts their own futures so significantly.
Thanks very much.