Thank you, Chair.
I want to welcome all our panellists today. You are providing some great information for this very important study, and it's greatly appreciated.
Ms. Eyquem, before I came here this morning, I met with the group Insurance Brokers Association of Canada. We talked about climate change. They said it is having an impact through catastrophes right across the country, from fires to floods. There is, of course, the impact on the insurance industry. They have to react to these catastrophes, going forward, and to the impact on their businesses as well.
The Intact Centre has shared its support for the government's guidelines, but it has said there's more to be done to operationalize solutions and to move away from management by disaster. Can you please expand on this and share your views on how the federal government can improve in this regard?