I'll cite someone who needs to renew and they're at the end of five years. They often have the equity already to be able to pass...because they've hit that five-year period. Again, part of refinancing allows for people to be able to invest in their small business. It allows them in some cases to survive a lockout or a strike. It sometimes will allow them to be able to purchase a home from a spouse because of a divorce. I think it's a little short-sighted for us not to look at those.
What evidence of risk was present to eliminate portfolio insurance on refinancing rentals when there was a delinquency factor of 0.24 of 8% in the current portfolio?