Thank you very much, Mr. Chair.
If I have a concern here, it's that I do believe we have the power to make these adjustments and make these changes, but I also believe we have the responsibility to look at the whole code. I don't believe these were the only issues brought up with the commissioner the other day. Several issues were brought up. Some people mentioned a spouse's credit card balance, which is absolutely ridiculous.
I'm not sure if we're going to be speaking to future business, but I think one thing we should do is review the whole code and make some recommendations, as opposed to just cherry-picking and identifying these issues as being the major issues. I would probably agree with this in principle, but I think we have a responsibility to review the whole thing.