Thank you, Mr. Chairman.
I might actually come back to Ms. Wasylycia-Leis' question, not the socialistic rant part, but what I thought was a reasonable question at the end.
The first question is this. On the off chance that there might be a Canadian out there who doesn't make study of mortgage insurance his or her life mission, Mr. Vukanovich, can you tell me how mortgage insurance is chosen? It's the lender who chooses it, not the consumer. Is that correct?