Thank you very much for the question.
I think our industry is actually being proactive and innovative. An example is usage-based insurance, which is something that has been sold in a number of other countries.
Now, we are finding that just as P and C insurers are regulated at the provincial level for market conduct, some of the regulators are not quite as forward-thinking as we would like them to be. We're finding that there are hurdles being raised against insurers innovating and providing new products.