Well, I know there are problems in terms of people accessing mortgages. There are problems at the lending level. I don't understand how your getting into this business in terms of mortgage insurance is going to have any bearing on the lending scene.
I keep hearing this jargon around product. I don't know what “product” means. I've had this discussion with many others.
If the problem is in fact with the lender, we should fix the problem at that end. I don't see how your coming onto the scene is actually going to put pressure on the banks to suddenly lend to an immigrant family that doesn't believe in using credit cards and therefore has no credit record and can't get a mortgage. They'd like to give straight upfront cash and could probably do the whole house, or most of it, in straight-up cash, but they don't get to deal with the banks. How are you going to make that—