Mr. Turner, in terms of the first question, as a Canadian with 15 years of experience in the Canadian mortgage market, leading a Canadian team, hiring Canadians across the country, and having some degree of expertise in the Canadian market, we will operate with the highest ethical standards and we'll operate right across this country by providing value to consumers.
Inasmuch as increased competition puts pressure on things like price and premiums, that will certainly be part of our toolbox to help more Canadians realize the dream of home ownership.
So this is a Canadian business, run by Canadians. The answer is no.