I don't believe there are any discriminatory practices when it comes to underwriting. Essentially what happens is that underwriters will take a look at risk, and geographic factors do play in. It happens on property, and it happens on auto as well.
Unfortunately, we're facing an absolute epidemic of auto theft in this country, and Alberta is the biggest part of the problem. We're working with the RCMP and Canada Border Services to try to address this. The losses have escalated so rapidly that we're just trying to figure out how to come to grips with it, and that's part of the problem.