I prefaced my comments by saying that we need a stable housing market. We need the quality of indebtedness that consumers are taking on to be good quality, but we also need to understand that our underwriting standards within the marketplace are pretty darn good. The credit scores of a high-ratio mortgage are very constant. The arrears speak for themselves. I know we can't be backward-looking all the time; we need to look forward.
For Genworth, you already pay a 10% deductible. Is that correct? Can you explain that for us, please?