No. Well, it was a direct question.
We insure the loan for the life of the loan, and this is important. To your point, on the one hand someone may want to see some of the premium returned; but imagine on the other side if home buyers, for employment reasons, need to move to another province, where perhaps it's more expensive, they can port or carry that mortgage with them, with the premium already paid. So it does allow them, over that 20 or 25 years, to be fully insured regardless of what home they ultimately reside in.