Indeed, we've taken a multi-pronged approach just because it is such an important product for most Canadians. We've actually tried to expand the potential area for delivery of that kind of learning.
In the last couple of years, we've spent a lot of time with mortgage brokers and realtors to make sure they have the information that we have so they can present it to their clients, especially first-time buyers, who really are fairly new to what a mortgage means, and to make sure they have the tools to help those clients understand what they're getting into—with the mortgage brokers and the realtors in both cases—and that has helped a lot.