To the comments about the CMB program, the NHA program, and the covered bond program, they are vehicles in the Canadian market that are very well functioning and they provide a lot of liquidity. Investors pick up those bonds. The covered bond program, issued both in the U.S. and here in Canada, is up to 4% of bank assets, I believe. There are some very fantastic funding vehicles out there that provide liquidity for Canadians to access to get funding to get mortgages.
Is there any anecdotal data that you can provide about the changes that were put in place from October to now? I think maybe this applies to Genworth the most, but this is to the three of you, if you wish to comment.