Right, I understand that.
You said there could be a 9% to 18% drop in housing prices. The debt that Canadians hold is collateralized against housing. If Canadians default on their homes after their housing prices have dropped, there will be a default loss, and it is your job to cover that loss as the primary mortgage insurer in this country. As of the end of 2019, your book was at $493 billion, almost a half a trillion dollars. How much could CMHC and thus taxpayers stand to lose this year as a result of mortgage default loss?