If I may, AIG United Guaranty, coming into the market as a mortgage insurer, may provide comfort to those lenders that in the past may not have wanted to participate in a certain segment of the Canadian consumer marketplace. By virtue of providing insurance, they may recognize now that the new immigrants coming into Canada may provide an opportunity wherein they can compete more aggressively. They may say, upon reflection, that although someone may have had a credit impairment in their past, with mortgage insurance they would now be in a position to be a little more aggressive in that field and help more Canadians realize the dream of home ownership. So we would be providing comfort to the lender to go into a certain market segment.
