Thank you.
I have one short question, if it's okay with the committee.
The actuaries' association is coming before us, and they're recommending to reinsert clauses in Bill S-201 that were removed from previous iterations, which would have specifically governed the insurance industry, in order to say that it does not apply to insurance contracts over a specific value.
As I understand it from your testimony, Professor Thibault,
I imagine you believe that, if we do this, it will make certain parts of the law unconstitutional.