There is a need for coordination in Canada. We cannot have a fragmented assurance market in our country. We're moving towards greater mobilization and harmonization across Canada. Every jurisdiction has an important contribution to make. In fact, we could leverage some of the lessons from Quebec's law 25 and bake them into part of this assurance market. We really have to guard against over fragmentation. It will be extremely challenging, and it will create an uncompetitive ecosystem in Canada.
