When we think about stability risks, we think about them from two perspectives: the perspective of the system, which is largely the institutions that provide the loan and their stability, and also the borrower vulnerability.
In this case, we were looking very much at the borrowers of the equation. The system is stable, but there is a segment of borrowers at great risk. You could look at all of the changes that we've made in mortgage insurance policy over the last seven or eight years as reining in the capacity of borrowers to take excessive risk.