Thank you, MP Rogers, for the question.
Yes, we actually know what to do. The consultations around the national adaptation strategy surfaced. This wasn't just IBC. This was IBC with the FCM, Canadian Red Cross, Salvation Army and a broad group of experts who are on the front lines. We came up with very explicit recommendations about what needs to be done to better protect.
It starts with infrastructure. That's probably the biggest thing. As Mayor Martin mentioned, the investment in resilient infrastructure, or infrastructure that builds resilience for communities, is one of the biggest things that could be done. In addition to that is awareness for Canadians of the risk they face, or the elevated risk, where the government has committed to a flood portal, for instance, and any homeowner can type in their address and say, “What's my risk and what can I do about it?” That is so important. It's something that we as insurers can then also point to. On policy renewal, we can say, “Here's your risk.” We can point to that flood portal.
At a community level, it's implementing FireSmart measures. Yes, forest management practices are part of it, but at the community level, it's essentially making sure that homes are built to FireSmart standards so that you're not using cedar shake shingles, for instance, if you live in a tinder-dry forest and these sorts of things.