That's a very difficult question to answer.
I would say that we do believe that our customers have tremendous faith in us as a counterparty, given the level of capital we hold and the rigour and discipline with which we originate mortgages.
I would say that Canadians, in general, have come to understand a lot more about the mortgage finance market and the players therein just because of the absolute amount of focus that's been put on this industry over the last many years. As a result they understand and know the role that we, as mortgage insurers, play, and I think they do have faith in the private sector at this time.