Well, the way it works is that if there is a default of a house owner, the financial institution then would first realize on the property. For the shortfall, they would then go to their insurer. Their insurer is regulated by OSFI, the superintendent, to ensure that it has sufficient capital to be able to withstand these kinds of contingencies. So the government guarantee comes into play only if the insurer--in this case Genworth, the only one out there--were to become insolvent. Then the government would have to....
Genworth, in addition to holding its regulatory capital, in support of this agreement with the Government of Canada is contributing to a guarantee fund that is providing further capital against this contingent liability for the Government of Canada. It is also paying a fee to the Government of Canada. So there are a number of steps before you actually reach the government liability.