Sure. This really addresses that cherry-picking issue as well. We think there is an opportunity to better serve these additional segments of the consumer marketplace, in particular first-time homebuyers who are self-employed, new immigrants, or those who may have some credit blemishes they're recovering from.
Mortgage insurers internationally, and particularly in the United States, have a great deal of experience in working with these customer segments. They can be served effectively by working in strategic partnerships with lenders to design appropriate products that can support sustained home ownership for these segments. These are people who may have very good asset bases, good jobs, and the willingness to pay. They may have had an unfortunate incident at some point along the way.
So we have a great deal of experience, as do some of our new potential competitors here in the Canadian marketplace, in working in these sectors, and we believe we can ultimately add real value for consumers here in those segments.