 The reforms I am announcing today are intended to make ICBC financially sustainable and are the first critical steps to allow us to keep rates affordable for British Columbians for years to come. Our focus of these initial reforms is on reducing legal expenses and using the savings to direct more care to those injured in crashes and keep insurance rates affordable. First, as of April 1st, 2019, a new limit of $5,500 on pain and suffering awards for minor injury claims will be in effect. Redirecting costs currently spent on legal fees, courts and litigation towards direct care of those injured in crashes. Second, minor ICBC injury claims disputes will be directed to the Civil Resolution Tribunal to be decided quickly and affordably by independent adjudicators. And third, the savings from these initiatives will allow us not only to get ICBC's finances back on track to ensure lower insurance rates, but will allow us for the first time in 25 years to make major changes to ICBC's accident benefits which will dramatically increase the care available for anyone injured in a crash.