The benefits one would look for are through choice in a range of products. We've been working within the 90% framework more or less since the 1990s, and to this point mortgage insurance in Canada has mostly been an “any colour you like so long as it's black” market. There hasn't been a lot of range in products. There hasn't been a lot of range in the mortgage agreements themselves.
To speak about range and about benefits doesn't mean you simply have to add more risks to the system. You can design mechanisms that are well suited to the public--arguably, better suited than what we have now. Ms. Londerville mentioned one set of arrangements.
It has to do with the terms of mortgage insurance. In other words, do you pay a big lump sum up front, or do you pay a sliding premium that falls as the outstanding amount on the mortgage falls? There are many different ways you can tune the parameters that are put in. It's all about introducing choice and producing products that better match what it is that people demand.