I'll do that.
Thank you, Mr. Chairman. I also want to thank the panel for coming today. It's been very interesting as a new member to sit on this panel. Actually, I'd like to continue the discussion that Joe started in terms of the regulatory issues. I think they are really important, and I want to ask if you could give us some insight in terms of what, as a federal government, we could look to in terms of working towards that.
I also want to touch on one of the things you talked about as significant. It's a little aside from this, obviously, but it's about insurance. Not to put words in your mouth, you basically said it was a no-brainer that we should be doing something about it. So I would ask for some direction and help in terms of understanding that part of it.
Thank you.