We do not anticipate that there would be any change in liability. The companies are currently active within the Canadian marketplace pursuant to a contract with the government. As I said, this legislation is basically transforming that contract into a piece of legislation, so we're not anticipating that the playing field will be altered in any way.
One of the most important features of that framework is the qualifying criteria for the underlying mortgages. Both the private mortgage insurance companies and CMHC have been following a set of criteria established by the Minister of Finance for the last three or four years. We don't see that changing in this piece of legislation.