Thank you very much, Mr. Chair.
To all of our witnesses, thank you for taking the time to come out and to help us deal with an important piece of legislation.
I think we could talk to the Insurance Bureau an awful lot more. What other changes would you like to see in Bill S-4 that would ultimately help you in your quest to have the tools you need to deal with the kind of insurance fraud that's going on—related to Bill S-4? You mention in your brief about having other issues other than the ones that you mentioned today.