Thank you.
I'm going to ask you a few more questions, and I'm going to ask you one about your recommendation.
Before I go there, do you think the insurance system in Alberta is broken? Do you believe that discriminatory geographic practices are occurring? I'll give you an example. For a resident of mine, a constituent of mine, who lives in my constituency in northeast Calgary...and I've run examples of this myself. I picked two postal codes. Northeast Calgary was $2,218 and southwest Calgary was $1,500, for the same coverage on a vehicle. How does that happen?
In my community, working-class newcomer communities are paying their bills, just getting by and working multiple jobs, but they are getting hosed when it comes to insurance. How does that happen? I say “discriminatory geographic practices”, but through the underwriting practices, I would say, are there discriminatory practices for newcomers in this country when it comes to underwriting?