That's a great question.
There are definitely affordability issues, and theft is one cause. We see inflation having an effect on insurance prices across the whole chain. Vehicles are more expensive and more expensive to repair, but obviously theft is one of the major drivers. We've seen the cost of theft really triple for insurance companies between 2018 and today. Just to put things into perspective, at the industry level—not just for Intact—it was $400 million in 2018, and it had gotten to $1.2 billion in the last year for which we have data.
Clearly theft is a key driver. That's why we need to address that as a root cause. At the end of the day, insurance companies are paying out for claims, but as you mentioned it is eventually the customers who pay for these through their insurance premiums.