Thank you.
My questions will be for you, Mr. Webb, and I'll be building on the earlier discussion you had with my colleague Mr. Lewis.
Mr. Webb, we heard some compelling testimony with the previous panel. The Insurance Bureau said that claims were up in Ontario by 80% and in Alberta by 88%, and that the amount of those claims, the quantum of claims, also dramatically increased and far outstripped population growth and the growth in trucking.
Clearly there's a significant issue, and this is a new issue. It has to be because this rise is relatively new. It started in 2015, and that's to 2023. As someone who is a professional involved in auditing the safety of this industry, could you give us some thoughts or some speculation as to why there's this dramatic increase?