I want to thank you for those answers. I think they're very helpful in terms of the next few months.
As members of Parliament, some of us who have been here a little longer recall a time when it wasn't uncommon to have several complaints from various financial institutions and the insurance industry. I mentioned this to Mark before we came in. We don't get that anymore. So I think your industries are doing a far better job at providing the latitude in services that I think the public has come to appreciate.
On the same subject, Mr. Yakabuski, you raised some very interesting points with respect to the impact of weather and the bottom line. Many of the insurance industries head offices, or availabilities of commerce in the United States, I suspect, also put us in a precarious position. Would it be fair to say that if a disaster takes place in the United States, there are impacts for consumers in Canada, weather related or otherwise? I'm thinking of Hurricane Katrina and the effect it has had on the bottom line for Canadian consumers. I don't think we have to go back to 9/11. Canadians are certainly sensitive to this, but I'm not sure if that reflects itself in terms of price and quality of choice.