We want them to insure mortgages for the purpose of securitizing, as I think you would remember. We are monitoring that activity right now.
We assume that what's happening is an adjustment period and that what we're seeing is temporary. However, as you would know, within the OSFI rules and the Basel rules, converting a credit from a person's mortgage credit to a government credit, which is what an insurance policy does, makes it more creditworthy to the banks.