Just to be clear, the role of the department and the role, more specifically, of the superintendent of insurance certainly is to regulate, but it is not something that can get involved in the private market. The insurance superintendent doesn't change the market prices, doesn't influence in the market; they regulate the market. I would say it's not necessarily fair to suggest that we are not taking that seriously. I would also be cautious that the problems and challenges being faced by homeowners, school boards, and businesses may well be different. I certainly agree, and the department is aware that we want to be conscious of those challenges, but we want to make sure that we are looking at the nature of the problem in each of those circumstances to truly understand what is at issue and not to try to put ourselves into a situation that is not ours to solve or one that we can solve.
I would note further one last comment, Mr. Speaker. It is possible to issue a complaint to the Office of the Superintendent of Insurance, which is something that certainly policyowners can consider doing if they are unable to resolve their matter with their insurance themselves.