I could give you Desjardins's example. We are present throughout Quebec, including in the rural regions. The CMHC used to ensure all our loans. In 2000, when we signed an agreement with Genworth, we required that they ensure the loans in all of Quebec's regions, and we made sure that that condition was met. The lender can control that and you could include a clause in the bill providing for that. If Genworth had started practising adverse selection, then we would have stopped doing business with them. That was one of our conditions, and to date they have met that condition.
On May 29th, 2006. See this statement in context.