Thank you.
My next question is for Ms. Power. I'm sure the insurance industry is frustrated by the number of claims that are being paid out—$1.2 billion last year, I think. As an insurance industry, I'm sure you're looking at all the factors.
One thing we've seen consistently in the news is that, for the people who are being apprehended for stealing these vehicles, it's not the first time. Often they're people who have been apprehended before for stealing a vehicle. They might even have been to prison or, in some cases, they might be on bail.
Does the Insurance Bureau generally support creating tougher penalties for people who are caught stealing cars multiple times?