Thank you, Mr. Chair.
Welcome to our panel here this morning. It's great to have you with us.
My question is directed to the Canadian life and health insurers. On this issue of fraud detection that you mentioned in your brief, the section you're referring to is paragraph 3(d) of the act, which talks in terms of your ability to essentially disclose, without knowledge or consent, personal information when you see that there might be a potential for fraud or a breach of covenant or a breach of agreement with an insured, in this case.
You talk in terms of there being a gap currently with PIPEDA. I suspect that pertains to the fact that there isn't the term “investigative body”. Are you saying that there is no investigative body to which you could, in fact, disclose?
I wonder if you could give us a practical example to illustrate what this gap is in terms of being able to investigate fraud.