I think any time you introduce more competition into the market, Mr. Savage, you are going to see that we need to compete on a platform. The platform on which we are going to compete, as I said earlier, is both urban and rural, right across the country, on the majority, up and down the street, for Canadian consumers.
In addition, we think there are niches that we can add value to that will increase the level of home ownership. I'd also keep in mind that this is a very heavily regulated industry, and nothing replaces that heavy regulatory oversight, nothing replaces the due diligence by the lender and the due diligence done by the insurer.