I'd like to respond to the point about a long-term commitment to the marketplace. I think you know that PMI is a participant in the Australian, New Zealand, Hong Kong, and European markets, and we don't take those decisions lightly to enter new markets. It's a significant investment in terms of capital, in terms of human resources, and in terms of management attention. We view these commitments to new markets as permanent because of the nature of the business. Mortgages and home ownership are not something that you turn on and off like a light switch, but it's a long-term proposition. So when we enter new markets we're very committed.
Additionally, because of the prudential standards, the high ratings requirements that capital markets expect from mortgage insurers, we have the highest degree of financial strength. That, additionally, supports the level of financial commitment we bring to the marketplace, and that's further reinforced by parental and group support that we would envision for our Canadian financial subsidiary here.