Very well. Thank you very much.
Perhaps I could ask a question of the Canadian Life and Health Insurance Association. I think one of the primary arguments you brought forward, which has just been referred to, is the issue of getting consent to interact, to communicate. If I understood you correctly, if one has to go and ask for that consent by some other means of communication than an e-mail saying, “Can we communicate, can we establish a relationship?”, you said that doesn't work very often and that it would be more practical, more environmentally safe, to be able to communicate directly initially by following certain rules.
I don't know if there have been any studies on this, but do you have any evidence to support the fact that requests for consent, let's say by written letter or other means, don't really work, as opposed to being able to do it directly through e-mail?