Thanks for coming today, and my apologies for being late.
I appreciated your testimony today.
My first question is going to be for either you, Madam Dorval, or Ms. Wheeler, regarding costs within the industry over the past 20 years. Just in looking at inflation of 2%, costs go up. On the 1997 decision to have $100 for the first $1.5 million, would you say that legislating a fixed cost like that and not addressing it for over 20 years now may be something that could be looked at? Would there be a rate you could look at that you could say would be reasonable as a cost?