For the National Adaptation Strategy, we recommend that government consider the importance of consumer education, as well as incentive programs to help Canadian homeowners and business owners "climate proof" their properties. For the National Flood Insurance Program for High-Risk Properties, we recommend that government and the private sector partner on this important initiative, and that the private sector (insurers and brokers) must play an integral role in the delivery of the program. We also recommend a federal earthquake solution. The Bank Act, with respect to the separation of banking and insurance. Open Banking with respect to consumer protection issues. Cyber Security - raising awareness of cyber attacks on small businesses and proposing a program to incentivize businesses to take protective measures. Bill C-74 Budget Implementation Act, Regulations with respect to fintech entities. Auto Theft - advocating for a collaborative approach, with a range of potential solutions, including: improve and modernize anti-theft devices in vehicles; increase inspections at ports before cars are shipped overseas; bolster law enforcement resources and activities; and consider tougher penalties for these crimes.