Thank you very much for those questions.
Perhaps to help provide some context, the Insurance Brokers Association of Canada, of course, represents insurance brokers across the land. We don't represent insurance companies per se. We work closely with insurance companies, but our brokers we represent work and advocate for insurance consumers. Therefore, while some of these questions may be more appropriately directed to insurance companies, I think Mr. Treasure, who is of course the broker between the two of us, the insurance broker, may be able to provide some perspective from a more technical standpoint.
In terms of statistics and deterrents, I can't point to any specific statistics that I have before me. I will defer to the wisdom of the committee to continue to consider and be open to appropriate deterrents and penalties. I think they play an important role in reducing incidents. As part of your openness, I hope that you continue to consider the testimony of individuals like Ms. Arsenault as well.
At this point, I will turn it over to my colleague, Mr. Treasure, who can perhaps address some of the most technical aspects.