Certainly. Thank you, and thank you to everyone for the presentations today.
We've heard a little bit about gaps in the marketplace and areas that aren't currently serviced or may be less serviced than others. I have two specific questions, one pertaining to small business and the acquisition of commercial property and whether some private companies would be interested in making mortgage insurance commitments in that area, and the other pertaining to agricultural property where currently CMHC has some very strict guidelines. I believe it's a house and six acres which they will consider for mortgage insurance.
I'm wondering if private insurers would actually ensure that the banks could consider the entire property in the case of agriculture, or whether anybody has packages like that. Mr. Liu, I'd like to hear particularly from you on that.