Yes, just a very simple one, Mr. Chairman. I know, from experience, that the rates of insurance go up, and up, all the time, without any explanation, without any indication that the hikes are justified. Just for the interest of Members, you can visit any big city in North America, and on every street corner in the most important intersections you find a building that houses an insurance company, the fanciest in town.
I never hear of any of them going bankrupt, yet we continue to accept increasing rates, year after year, and we are not prepared to tell them that they really should be paying a little more of their share for doing business in the jurisdiction that gives them their income. Anything like this, which is a revenue initiative, we get so few ideas from governments, on how you can get money to spend. All we seem to do is spend money, we never seem to find ways of finding revenue, that seems to be one of the things that we are bad at, finding revenue.
Even though this will not provide an awful lot, I have always though that insurance companies are one of the big mysteries of our age. How they seem to get bigger and bigger, get fancier and fancier buildings, buy more, and more real estate, and never seem to go bankrupt. They all seem to thrive. I suspect it is because they do not pay their way. Thank you.