There are a number of things in there. I just wanted to comment on the risk sharing.
I think one thing you're going to find is that the risk-based pricing that institutions will pursue will become much more finely granulated. As you said, we may be in Cape Breton where the market is more liquid, and places like Gimli, Manitoba, or wherever, and people like Genworth and CMHC will be looking at us and saying, “Well, you have some housing market risk there because it's a liquid market and there might be a downturn in the economy. We're going to have to boost the premiums that you're paying, and we're going to actually force higher costs on you in those regions.”
Whereas a larger national bank might be able to spread some of those risks across because they can move their book of business or change up their portfolio. We don't really have that option. Because we're owned by our members, it's not as if we're going to shut down and move to another part of the country or start going outside our province necessarily. I think that's going to be a big issue for us.
Did you have anything you wanted to add to that?