Thanks, Mr. Chair. The conclusion, as I read it in the report, is we conclude that, for the present or near future, near-term future, a ban on such information would likely have no significant negative implications for insurers or for the efficient operation of markets such as life insurance. That says it all to me, Mr. Chair.

I just have one other sort of general question. This notion of adverse selection, how does something like no-fault insurance work for auto insurance in BC in terms of people's driving records and so on? I know it's a state-run system, but they seem to have overcome that through no-fault insurance, and it hasn't collapsed. Why is this adverse selection something that our government, the department, seems to have adopted and is driving the position that Cabinet is going to take on whether genetic diversity should be included as a prohibited ground in the first place? Thanks, Mr. Chair.