Well, I actually did provide a copy earlier today to the clerk, or I gave it through the CCA, so you will get a copy of the material.
I'll speak a little slower now. I have done that a couple of times and I was able to do it in 10 minutes, but obviously it's very hard to meet that timeline, so I was trying to get it in.
In terms of the proposals, the Canada Cooperatives Act, in its current incarnation, is really new—relatively new. It was 1998, which is, what, 13 or 14 years ago? I joined The Co-operators in 1996. I rose in the ranks in the legal area, and I wasn't in charge, really, probably until about 1994 or 1995. You were just sort of starting yourself. I really didn't know much about cooperative law. At that time, when it came in, I wasn't really that involved. Over time, I've had the opportunity to be involved with it, and you start to see some of the problems with it.
The specific issues around modification—there hasn't been a review I participated in where we've made those suggestions. Where we have actually made a suggestion is on the Butterfills stuff. We have provided information with respect to the demutualization proposals for P and C insurers.