Well, a couple of things. I don't know what the banks said, but I'll tell you...and by the way, it'll take a year or two, when you're doing new entrants and new products and so on, to have anything substantive. But if there are any gaps or left-out communities or segments of the market that this agency stumbles over, it'll be reported out.
There's the question of new entrants, and it's always complicated. A number of mortgage insurance providers in the U.S. market sometimes actually do work with particular niches in the market. I may be a little out of date, but there was one that at one time dealt with aboriginal peoples, and had an expertise there. If they become a player in Canada, that's what many people may be alluding to, that some of the choices of these people may happen.
New competitors should mean that there should be a price sensitivity, but being a regulator, I can tell you that anything I find going forward in the next two or three years, I'll share with you.