Your question was how do we know we're not getting junk. So through the process of insuring mortgages, all the high-ratio mortgages are examined by the insurer on a loan-by-loan basis, and they have to meet the underwriting criteria of the insurer, whether it be CHMC or the private insurer. Then low-ratio loans are considered as a portfolio, but each individual loan is examined. In some cases, if the insurer is brought 1,000 loans, it will agree to do 950 of them.
