Thank you, and thank you very much to all the witnesses for appearing.
First, I think I'll continue the cost discussion for now.
Ms. Bakos, I know the Intact Centre has done some work over the years on the cost of climate change on infrastructure.
I think you, Ms. Eyquem, referred to insurance costs and the effect on the housing market.
Do you have estimates on the insurance costs accrued from Fiona so far?