Mr. Fergal O'Leary:

There would be the anti-competitive angle if that was being done by a particular set of companies which were somehow agreeing to exclude a particular subset for whatever reason. On the consumer protection side, there would be a possibility in this regard. Anecdotally, it has been said at this time that certain groups or certain ages of vehicles are being almost priced out of the market. If we got evidence to that effect that we could pursue, we would do so. However, the way it is set up statutorily at the moment is that if a driver is refused by a number of providers, he or she goes elsewhere and gets a quote, and we do not police that.