I'd like to answer that question.
We're totally for competition, as I said in my comments, as well as I think it's very reasonable that, as a general economic principle, more competition should lead to better things for homebuyers.
The current issue, though, is that there's nothing in the regulatory framework to ensure that adverse selection not be happening, to ensure that there's competition that will benefit homebuyers.
What we're saying is that you really need to look at other markets and how they've operated when there's a financial intermediary in the process, and that means that this is different from just having a direct consumer relationship, because, after all, it's the government's intent to provide benefits to homebuyers and consumers.
So again, I think it's more the regulatory framework that's not set up. It's certainly nothing that we can see to ensure that what we're talking about as being positive would be there. But we're clearly pro-competition.