It's possible that this could be a result. You are seeing an increase in auto fraud across Canada, and frankly, as you've seen a decrease in auto theft, the same kinds of criminals who committed it are looking for other opportunities to make a buck. Ultimately, the consumer needs to undertake full due diligence. There are services available through provincial governments, no matter where you are in Canada. They allow you to verify the VIN. There are also private services—you've referenced one of them—that allow you to do that. Our job, along with Équité Association, which is funded by the insurance industry and whose mandate is to combat auto insurance crime, is to share information about what you can do to protect yourself from auto theft and from fraud.
I think there's more work to do there, but we're encouraged by what we've seen on the auto theft component in the last year or so.