To answer your first point, our business and that of a mortgage default insurer is primarily focused on the first-time homebuyer. Seventy-five percent of our business is that first-time homebuyer, so that's absolutely our focus.
To your second question, I referenced in my opening comments that the Department of Finance has a sandbox where they determine, along with OSFI, what products can be insurable. Investor properties are not eligible from a mortgage default insurance perspective, so they remain at a conventional....