Thank you for the question.
Canada is becoming a riskier and riskier place for insurers to do business. If you take a look at the losses that insurers have paid over the last decade on the property side, there are some areas of the country where insurers are actually losing money. Focusing on risk reduction at the municipal level is a way to make sure that constituents and businesses pay a reasonable amount of insurance instead of the increases that we've been seeing lately.