I can respond to that.
CMHC tends to be the price setter in the marketplace. We have in fact lowered premiums and fees three times over the last decade or so. In all cases we have taken the lead to do that in part because of our public policy mandate. We must operate commercially, but that does not mean at maximum profit; it means commercially. When we've determined there's an ability to lower price, we have, and the private sector contenders have followed.