When an entrant tries to get into the market, they'll say almost anything, particularly to regulatory officials. They'll say they're intending to target near-prime or however you want to describe it. But is there any obligation on the part of any of those new entrants to in fact expand the mortgage insurance pool so that more people would be entitled?
The second point, going to your CMHC issue.... CMHC is still going to be under some sort of mandate and obligation to provide the less creditworthy risk. But you would have to think that the lucrative part of its business is exposed, the consequence of which would be the reduction in dividend that it gives to the Government of Canada. Have you done any analysis as to what the reduction in revenues might actually be?