We run stress tests every year outlining a range of scenarios. We, of course, retain capital for the purposes of that, as do the other mortgage insurers. The private mortgage insurers in addition have private equity capital ahead of them.
All of that is absorbed before the government would have to pay on its guaranty. We are satisfied in our significant stress testing, which involves scenarios that are wildly more pessimistic than anything I forecasted, that we have sufficient capital on hand. OSFI regulates and oversees the other mortgage insurers and I'm sure has satisfied itself of the same of those two businesses.