I'm assuming Genworth and others gave advice to the government at the time with respect to whether the threshold would be raised. I'm a little surprised by your answer that you don't know what the risk and reward profile is, either between 75% and 80% or 80% and 85%. You seem to be happy with 80%, but could you be equally happy with 85%?
For consumers, this is just money drained directly out of their pockets. The minister argues that it's a $1,600 savings. Well, if it's a $1,600 savings, why couldn't it be a $2,000 savings, or a $2,500 savings?
So I wonder whether there is any information, and if you could you share it with the committee.