Okay, thank you.
Mr. Ripplinger, just to clear it up, on page 4 of your brief--if I can find it--you spoke about 100% of mortgage insurance, and then in the next paragraph you spoke about a 90% guarantee. Could you explain that to me?
It says, “For this reason, we believe that the Crown Corporation must continue to receive a full 100% guarantee.” It goes on to say, “For this reason, we feel that the current 90% guarantee is reasonable”.