Okay, let me finish my statement and I'll conclude, if I can get Mr. Del Mastro's attention.
In fact this is a good example of why we need the protections in mortgage insurance. The banks sit here and say, “Don't worry, we'll make sure that no areas are left unaddressed and that there are no inequities”. They sit here, having totally left abandoned many communities—rural communities, inner-city communities. I have a good example. I'll tell you, in eight years, we lost every single bank branch in the entire north end of Winnipeg.