But I was thinking in terms of consumers and homebuyers. How has the marketplace changed there, the relative importance of mortgage insurance in that marketplace? Obviously for you to do an analysis of a business plan you have to know what the premium payments are now, the scope of the market, and the importance of mortgage insurance in the marketplace now.
This leads me to my second question. You said the door has been opened to other applications from other players, but you haven't had any. Why would you surmise that has been the case, and why has it changed now? There must be some change in the marketplace, in your estimation, that has resulted in this application.