Thanks, Mr. Chair. I appreciate the deputy minister telling me about the concerns of the insurance industry, but there's no evidence, then, that this has caused any market disruption by including genetic characteristics as a prohibited ground in the federal legislation. I just wanted to establish that.

My next question is about, and I did read one of the documents that my honourable colleague from Kam Lake tabled from the Office of the Privacy Commissioner of Canada. It's called the Potential Economic Impact of a Ban on the Use of Genetic Information for Life and Health Insurance. It's a very helpful document, because it helped me understand this a little bit better. There's this concept of adverse selection, where the insurance industry has this concern that, if somebody finds out they have a genetic disorder, they become more likely to buy insurance if they can afford it, I guess, in the first place, which just seems rather bizarre to me. The paper from the Office of the Privacy Commissioner of Canada does say that, in their view, this is not an issue, at least now, because a lot of people have not had genetic testing. This may be something that might require a change or review in the future, once people understand, if they have genetic characteristics, that might lead them to have medical disorders in the future. Has the department reviewed this paper by the Office of the Privacy Commissioner, and do they agree with its findings? Thanks, Mr. Chair.