My question is about insurers in this new digital landscape. I'm going to give you a bit of an odd example, but I hope you get the drift. Quebec's highway safety rules require drivers to have winter tires on their vehicles for a certain part of the year. In Ontario, winter tires are optional, but it affects people's insurance premiums.
Are you worried about differences in cybersecurity standards and the potential impact on premiums? Some players could be subject to lower standards, and others could have higher standards. Should those standards be the same across the board in your industry to make transactions and essentially insurance easier to administer?