I would say that over the last three years in particular, as the industry has returned to an acceptable level of profitability, affordability of insurance in Canada is improving substantially. Essentially, most small and larger businesses would have seen stable or declining rates over the past twelve months. House insurance costs, in most parts of Canada, are of the same order, and we have seen a tremendous improvement in the availability of auto insurance in a number of provinces in Canada.
On October 16th, 2006. See this statement in context.