Yes, although I would note that it might be relevant in this connection, Mr. Chairman, but that's for you to determine. I would note that as part of OSFI's risk assessment, they do an assessment of the reputational risk that any provider in this segment of the financial sector or others may face.
If there is a range of practices that a mortgage insurer is engaging in that is unsavoury in some way and affects its reputation, it could play into the ongoing monitoring by OSFI. It is true that market conduct is generally the domain of the provinces and not the federal government, insofar as insurance is concerned, but OSFI has that reputational risk function to perform as well.