Thank you very much.
I have another question on a different line. I have a summary of the recent corporate plan for your organization. On one of the lines it says more than one-third of CMHC's business is in markets that private mortgage insurers do not serve or that are less active, including low-cost mortgage financing. You take some risks in some areas, I would say, where others don't take risks. Do you have a competitive advantage over the private sector because you're a crown corporation?