That's a good question. Obviously the mortgage market is evolving rapidly, and this is an important measure.
In fact, simply to clarify, CMHC is not named here. Rather, it is the predecessor company, the Mortgage Insurance Company of Canada, in the prior vote, that has ceased to do business, and GE Mortgage Insurance, which is the predecessor to Genworth. Those were the two there.
What the vote does, as you're indicating, is allow the minister to enter into agreement with other companies to basically offer the same guarantee facility to those other providers. These other providers, then, clearly would be coming into competition with Genworth and with CMHC for the mortgage insurance business.
In regard to the prudential part of your question, these providers obviously are regulated by the Superintendent of Financial Institutions. They need to hold sufficient capital commensurate with the risks they're taking. Therefore, that is providing some level of comfort that the guarantee is not an open-ended type of liability but rather is a contingent liability that is protected through prudential means.