Mr. Salembier, currently the market is about 70% CMHC and 30% Genworth. We've agreed that there are now to be more entrants. So the reasonable expectation is that those entrants would eat into CMHC's share in particular, but to a lesser extent into Genworth because Genworth will compete, as will CMHC. Therefore, in terms of competition, the greater likelihood is that the competition will be in the more lucrative end of the market, the more—how shall we say—creditworthy risk.
Is there, in these amendments or in current regulation, anything that would prevent the perverse consequence of CHMC effectively ending up with the dogs of mortgage insurance?