The second category doesn't pertain to our business. The first does. We witnessed in 2017 and throughout 2018 declines in our volumes of insured activities of 15% to 20%. I should tell the member that was roughly as expected. We estimated it could be 20% to 25% but we thought behavioural factors, for example, people buying smaller homes, might alleviate some of that pressure. That's what we have observed and it has persisted since then.
On April 30th, 2019. See this statement in context.