On the lending side, it is our hope that every rate we charge is fully defensible as a commercial rate. There's no policy to try to be more or anything like that. We're very often pari passu with financial partners, so then it's identical. That's simple.
On the insurance side, we are very careful to make sure we are not seen as a competitor to the private market. So there is an explicit policy to be slightly--and I'll use the term advisedly, just as my friend has--more expensive. When you have examples that are significantly more expensive, it is usually the case that there is a big difference in what's being covered, the deductible, whether there is a minimum payment per year, whether there are more buyers or fewer buyers, and whether there are larger limits. That's why I was asking you to please compare apples to apples.