Sure.
I have two questions. First, I just want to go back on mortgage insurance for a moment, and this may come as a surprise to you, Jim, but in fact I do also support competition in the area of banking generally, and our problem today is that we don't have much competition. Banks have left communities high and dry. So I'm asking you, as you pursue this new initiative under Bill C-13, whether or not you would put in place some guidelines to ensure that competition allows for mortgage insurance to be delivered irrespective of region or income strata.