I think the key thing that private sector providers of mortgage insurance have brought has been competition for CMHC. Some of that competition has been on service. Some of that competition has been on rates. I'm not going to comment much more because I will then start to stray into an individual business plan and half the people around this room will know who we're talking about. I think there has been benefit over the past...my experience with the existing competition that was promoted through the offering of the guarantee originally has been really beneficial in terms of service and rates of service.
On May 17th, 2006. See this statement in context.