Oh. We have a number of pieces of legislation that interact. In the financial institutions legislation we have a requirement that all mortgages over 80% have mortgage insurance, so on the one hand, we have a requirement that a mortgage lender must receive mortgage insurance from either CMHC or a private mortgage insurer in order to take on the mortgage of a Canadian who wishes to purchase a house with a down payment of less than 20%. With that mandatory requirement in legislation, the government would be under an obligation to ensure that mortgage insurance is available.
If the question is whether we are increasing the government's liability, I suppose the absolute number is increasing, but the question this piece of legislation is addressing is whether we should be moving into legislation the contracts that currently exist for private mortgage insurers. So I see it as being a slightly different question. I don't think this piece of legislation is increasing the liability to the Government of Canada.