I think there's been tremendous competition going on in the marketplace today between us and the existing player. We're in 16 countries around the world and we're very familiar with the mortgage products. That's where we get our ideas from, and we bring them to Canada. I'm not saying we have a lock on all of the ideas, but I don't think.... I mean, we've talked a little bit about Canada's home-ownership rate. We are the second-highest country for home ownership in the world, next to the United States, and that is in the absence of $92 billion of tax incentives, of mortgage deductibility, in the United States.
So we're doing pretty darn good here with regard to people owning a home in Canada.