All right. Thank you.
I'll start over. First, though, ladies, could you tell me whether you are hearing the interpretation?
Is it working? Great.
I said that, since the beginning of our study, my focus had been on finding out the causes of the auto theft problem in Canada, as well as identifying stakeholders' solutions and recommendations for police, the Canada Border Services Agency, or CBSA, and even the government, which could introduce new legislation or regulations.
Today, for the benefit of my constituents, I want to take advantage of your expertise, as insurers, to ask how the rise in auto thefts across the country is affecting people. We know that insurers have paid out more than a billion dollars for auto theft claims.
What impact is the rise in auto thefts having on the premiums of people whose cars haven't been stolen and those whose cars have? Is there a difference? Are everyone's premiums going up? How does it work? How do you go about determining someone's premium?
I will have more questions afterwards.