Thank you very much, Mr. Chair.
Thank you very much to all the witnesses for your excellent presentations.
To the Insurance Bureau, I have a couple of questions. You've estimated the cost to auto insurance at $542 million. We've often heard the number of $1 billion batted about. In the next paragraph of your presentation, you indicate that when we include police, health care, and courts, “the cost of auto theft climbs to well over $1 billion”. I'm having trouble understanding what the health care costs of auto theft are. I was wondering if you might be able to help me out on that.