I can build on coordination in particular, and it ties back to the earlier question as well. Our research shows that if the homeowner spends a dollar to protect their home and if the community spends a dollar to protect their home, there will be five to 10 dollars of avoided losses. The challenge right now is that the homeowners do not themselves get the five to 10 dollars. It is shared by the homeowner, the Government of Canada, the provincial government, the municipal government and the insurance company.
If we have a system where you're waiting entirely for insurance to pay all of the costs, it isn't adding up. It hasn't happened. Insurance does give discounts, but it is not enough to get homeowners to work.... Until we get that coordination, where all of those who are benefiting come together and coordinate what they are doing and jointly say that together they will put one big incentive or they will coordinate the different incentives they have.... How do you do that? Someone needs to lead. At the moment, the leaders have been the municipal governments—they are acting very effectively—and insurance companies. That's not coordinated, but they independently have seen their own enlightened reasons to do this.
At the moment, the federal government is not there, and the provinces are really not there. Someone—hopefully, the federal government—could bring all the beneficiaries together and say that they will now coordinate what we do or want to do and will give back some of the benefits they're getting. There's a lot of money on the table that's getting lost because we're failing to protect ourselves.