I can talk to you about CMHC's delinquencies. Our delinquencies have been below 0.3%. So they have been very, very low, and despite the fact that there has been an economic recession, we feel that in terms of delinquencies the mortgage market has been very robust.
That being said, at CMHC we take risk management very seriously and we do invest in significant stress-testing capabilities to make sure we have sufficient capital in place for any losses that we would incur.