High-ratio volumes, we estimate, would be down near about 35% from the last changes. Of course we're not into the spring-time house buying yet, so it's hard to measure, but these are our estimates. That varies across the country: high of course in the Lower Mainland and in Toronto, and in Alberta between about 13% to 46%, depending on the credit union decline in volumes.
Low-ratio transactional insurance, which is used in a lot of rural areas, is down about 50%. Of course there might be some workarounds, but we're pushing those down. Also we estimate some big declines in portfolio insurance because of refinance rules and all of that, even up to 70% at some credit unions. It's just the volume is gone. It's been very big and it's a challenge for our system.