Mr. Dykstra, thanks for the question on safeguards.
Basically what we're trying to ensure is that it's lenders who choose the insurer. They are providing information and expertise to consumers, and we want those lenders to choose the insurer based on the products and services that we provide as suppliers. Any incentive, any commission, any sort of payment back to a lender to incent them to do business with an insurer should be returned to the consumer.