Mr. McCallum, with respect to servicing all markets, it's our commitment to be a national provider with a focus in both urban and rural markets. If we can sit back to reflect for a moment, as a third mortgage provider coming into the market with two very well-established competitors—one, we estimate, CMHC, having about a 70% market share, and Genworth having about a 30% market share—clearly our challenge is to make sure we have a value proposition for all markets. Common business sense would say we need to be innovative in our product design to compete aggressively against two well-entrenched competitors.
So to answer your question specifically, Mr. McCallum, there's not a market in Canada where we don't want to be, and we will be in all markets.