Thank you. I'd like to return for a moment to the issue of mortgage insurance, if you don't mind.
You mentioned that your chief responsibility is really in reviewing the viability of business plans of new entrants into the marketplace. To do that you really need to know whether they're going to succeed or fail in the marketplace, and that takes a knowledge of the marketplace obviously. I'm wondering if you could remind members of the committee right now of the relative importance of mortgage insurance, because the marketplace has changed in the last few years, hasn't it?