I think it would be fair to say that if that type of education had been provided to American consumers back in 2004, 2005, 2006, or 2007, there might be a different market down in the U.S.
Having said that, we have a better banking institution that uses a totally different way of approving a mortgage and whether the person qualifies for a mortgage. As far as the involvement of the banks goes, do you see good uptake? Do you see them participating in this type of program? I think it's in their best interests, but do they see that? What do they tell you when you're looking at bringing this forward?