I would be happy to provide to the committee a survey that my office has.... It is a sort of compilation of the various approaches that have been taken in various countries: the United Kingdom, the United States, Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Israel, Luxembourg, the Netherlands, Norway, Portugal, Sweden, and Switzerland. UNESCO and other United Nations organizations have made some declarations from time to time.
The most recent one was in October of this year. The Council of Europe's Committee of Ministers issued recommendations to member states, and one of the recommendations was that predictive genetic tests not be carried out for insurance purposes. It said, “Existing predictive data resulting from genetic tests should not be processed for insurance purposes unless specifically authorised by law.”
They are addressing this in a variety of ways, from strict legislation to moratoria. As I said in my remarks, there's no indication in any of those countries that the insurance industry has suffered in any way. In Britain, as an example, we have evidence that since their moratorium came into effect around 2000, insurance rates have in fact dropped. There's no suggestion that they dropped because of the moratorium, but they haven't gone up, because there is some protection in place.