Thank you, Mr. Chair.
Thank you to all our witnesses for being here today.
Actually, I'm going to pick up on that last point about municipalities being able to so-call build back better. I've seen in places like Princeton...and particularly Merritt. In Merritt, for example, the bridge has not been restored yet because they're not being allowed to build back better. They're being told that they have to utilize the same standard, even though it's been proven that the Coldwater River has the capacity to sweep through and wipe away the bridge, as it did before, if they bring back what they had before.
Is this something that the insurance bureau is seeing more and more? Does it need to be tackled by provincial governments?