Obviously, we were told that size does matter in those areas, so mergers might be one of the solutions we may want to propose, or at least consider. If we're going to penetrate those markets, we may at least want to look at partnerships of Canadian banks.
One of the fascinating things I heard today was an insurance industry person talking to us about the importance of our governments getting a hold of this whole global warming issue. I thought it was fascinating that it was one of your priorities, as I had never thought of it in that respect.
If the insurance industry is looking down the road now and taking into account global warming in terms of pricing, are we going to be faced in five or ten years with major increases because of this?