Thank you, Madam Chair.
I welcome the witnesses.
My first question is for Mr. Sweetman.
Mr. Sweetman, you said in your presentation that you were in favour of more competition, internationally, among insurance companies that don't require payment in advance, which would have a positive impact on consumers' wallets.
How do you think you can find a balance? Would there be many well rated international companies that would agree not to be paid in advance? How can you balance that out?