Thank you, Mr. Chair. Yes, I have reviewed the paper. In fact, I asked the Canadian Life and Health Insurance Association about the paper when we had our first call. They indicated first that they didn't agree with the conclusions about adverse selection. The second thing they said is that their concern is not so much with genetic testing, but is with the much broader area of family medical history. They feel that adverse selection would, in fact, be a factor, though, for both genetic testing and family medical history. They didn't agree with the paper. Thank you.