I think the silence reflects the fact that we don't run these banks, so we don't always know everything about banking. They don't let me, at least, run the bank.
What I would say is that this share has come down substantially. The CMHC, for example, not only used to guarantee mortgages for people who didn't have the 20% down payment, but it also had a program where basically the bank could buy the CMHC insurance in bulk on mortgages. The buyer didn't require the insurance. Banks were doing that and then using that—