Mr. Turner, as a third player coming into the marketplace, we need to look at where our competition is not. We need to be a full service provider coast to coast, operating right across this country.
We've looked at a number of market opportunities in addition to being a full service provider, competing head to head with our competitors, but we're going to look also at the new immigrant market, we're going to look at the self-employed market. We're also going to be able to develop innovative programs for Canadians who can afford a home but for some reason in their past may have had a credit impairment that they have now clearly overcome. So we want to run the full spectrum of service.