Thank you, Chair.
I think that increasing the number of insurance companies has the potential to reduce prices, but there are a lot of questions around whether opening it up to foreign insurance providers would result in that. It's a really complex issue, and, as I was saying earlier, we can look at setting criteria for companies that would meet those criteria and make sure that we're protecting clients. How the international insurance market would react to that designation scheme with added criteria is an open question that we don't have an answer to.