When I talked about the importance of having a regulatory system that keeps up to date with our competitors, I particularly referred to the need to make sure that any price regulation of any insurance market is as streamlined as possible. That's in the interests of consumers, so that the market can adjust more readily. I look forward to working with provincial governments as well, and it's a message I never stop repeating to them.
You don't have a copy of my slides yet, but look at that pink. That pink represents Canada's federal government capital requirements for property and casualty insurance companies. You can see that it's generally a lot bigger than anything else on this graph. In other words, Canada's capital requirements for property and casualty insurers generally tend to be considerably higher for domestic companies in particular than for the other big insurance markets of the world--the U.S., Japan, the United Kingdom, Germany, and so on. I think it's that scenario that we could work productively with the government on, and I would encourage this committee to take an interest in that.