Well, I don't think the taxpayers do get all the risk.
By the way, in response to your prior question on mortgage insurance, we have $438 billion of that on our books, and mortgage funding or securitization is about half a trillion—$500 billion. That, by the way, has the credit support for the mortgage insurance, so our risk there is actually only the timely payment guarantee between a default and our recovery on the insurance. So, it's not quite additive.