Competition may lead to reduced premiums. That's simply stated. What about increased...?
We've talked about product diversification and new products into the market. What about high-ratio financing for construction of new low-income housing, money that might be available to provide low-income housing for people? That part of the market is not being met today because there's no incentive for the private investor to invest in low-income housing.
If high-ratio financing is available for me to build an apartment building in the northern part of Winnipeg, maybe I'll do it. Maybe that competition stimulates those kinds of results. We can't look at it as competition always being the result of the greedy corporate money-hungry person coming in to grab the money. There are some spinoffs that might be quite positive for the kind of people you're looking to help.