Thank you.
Let's talk for a moment on the undercoverage. I'm a little unsure of some of the things you talked about.
Before that, let me ask you, with respect to the information you have examined over the years, because you said you've been examining this for several years now, are there any specific demographic groups or any particular areas of Canada where there seem to be more problems with undercoverage than others? Why would that be if there is such a pattern?