Thank you, Mr. Chair, and thank you to our panel this morning. It's been very insightful for our study of PIPEDA.
My question actually, first, is to our representatives from the Insurance Brokers Association, and I'll direct it to Mr. Kimball. The third item you talked about in the three areas, around which you had some suggestions that you touched on briefly, was the issue around the duty to notify. And of course that issue was in the news quite regularly several weeks ago as it related to CIBC, Winners, and so on. In your comments you suggested that this would be something that would be problematic to regulate, but you didn't go much further in your comments. I wonder if you could just expand on what your thoughts are about this duty to notify.
This is a topic that has come up in the course of our testimony and there have been some suggestions offered. Are you saying, or would you be able to state for the record, that you'd like things to remain status quo, as it relates to PIPEDA, on this issue of the duty to notify?