Yes, if new entrants came in and decided they had more risk tolerance than is currently in place, then you could argue that more people would get into a home. We believe, though, that we pretty much reached that breach with the existing competitive situation.
Mr. Turner was talking a little bit about people getting into too much debt. There's a market in the U.S. called the sub-prime market, which is slowly but surely growing in Canada. The sub-prime market is one that is currently not served by the mortgage insurance industry here in Canada. It's about 5% of the total originations in Canada. It's been fraught with a lot of issues in the United States. So if that's what we're going to be getting into with regard to a publicly guaranteed company, I think we really ought to study that and make sure it's going to be a positive for both those consumers and homebuyers as well as the government.