For an investigation relating to fraud under a group members plan, there isn't. We have OSFI and we have the superintendents of insurance across the provinces.
Let me just give you an example of a situation where there might be employee fraud, not insurers' employee fraud but under an employer's benefit plan. The employer may have their health and dental insurance with one insurer and their disability with another insurer, and we have one plan member who defrauds both of these plans. The insurers cannot communicate. They can collect and use the information in their own plans to deal with this fraud, but they can't even communicate with the other insurer to say, “Look, we know we have a common plan sponsor here. Our employer is our client.” They have a rogue employee who's submitting fraudulent claims, and we cannot communicate with them about the identity of that individual. That's where we're stopped, whereas under B.C. and Alberta legislation, we would be allowed to share, for the purposes of investigation and to support and protect our common employer clients.