Thank you very much for the question.
This may take a moment, so I apologize if I get long-winded.
We're an association of mortgage lenders, mortgage insurers, and mortgage brokers. The lenders within our community actually include TD and Scotiabank. We also have First National, Street Capital, MERIX Financial, and a whole raft of others. All that to say, we have some very large balance sheet lenders as part of our association, and we have some much smaller lenders that you would call more traditional mortgage finance companies.
The mortgage finance companies are much more reliant upon the insurance mechanisms currently available in the marketplace for capital adequacy and liquidity. The larger lenders have more access to their own balance sheet, so they can hold the loans themselves.
Is that adequate? Would you like additional—?