Thank you, Mr. Speaker. The issue of affordability is getting to be worse. It's not just -- you know, it used to be hard to get insurance for some folks, and now it's continuing to be harder and harder for most of us to get insurance for certain things. And that just relates to a lot of the disasters that have happened throughout Canada. You know, with the affordability, you know, there's documentation that's needed to show that it's not affordable for them to have insurance. You know, if you can't afford it, make sure you have that documentation so that it can help you in an event of emergency and disaster, the DFAA may be applied if it's not affordable. So when it comes down to the insurance, I know it's tough, but DFAA is really strict on the fact of affordability is not necessarily a point of coverage. So thank you, Mr. Speaker.