Thank you.
Mr. Frank, I want to direct my first question to you.
Just to put it on the committee record, I'll read from an article in yesterday's The Globe and Mail that's entitled “Sun Life overhauling life insurance application process in Canada”. It announced that Sun Life Financial, arguably one of the largest businesses in Canada, is “overhauling its life-insurance application process in Canada, cutting down on intrusive tests as part of an industry-wide push to make getting coverage easier for customers.” They feel that the life insurance industry is “increasingly looking to technology to simplify its processes” and is catering to “consumers' desire for less invasive and time-consuming tests”.
Now, if Sun Life is going down this road because they see a future in this, I would presume that if it feels it doesn't need medical tests about an applicant's actual health, it probably doesn't need to have access to an applicant's genetic test results. I'd like you to comment on that particular aspect.