In terms of using CMHC's capital or doing different things with CMHC in terms of improving the mortgage-backed security program or eliminating surcharges, whatever CMHC has been doing in terms of their business planning that may have affected mortgage insurance cost would be reflected in what's left with moneys left. At the end of the day, CMHC has actuarial studies that they have to do. They have to make sure that they meet OSFI requirements, and we want to make sure that levelling of the playing field between CMHC and the private sector continues.
If I could go one step further, we would look to continuing to see the support for the notion of more competitors in the marketplace as well as with respect to mortgage insurance.
In terms of taking the money and putting it towards other things, I don't necessarily see that as a good thing.