Yes, certainly. I would add that what we witnessed over the last few years, and I'm sure it's the same for our competitors, is that the footprint where you see insured mortgages is moving further and further out of the major urban centres. While that's obviously where first-time homebuyers are going to buy, it's a negative for our industry and I think overall because you are seeing a move out of the more economically diverse centres where you want to be as mortgage insurers, because you need economic diversity, you need that strength for periods of downturns in the economy. If we end up being too concentrated outside of these major urban centres, you are going to see more volatility when tail risk occurs.
Back to the comments on the $1-million cap, which is the obvious headwind or ceiling that we're bumping up against and is preventing us from having more distribution or representation around the greater centres, that is something we think should be addressed to help prevent that.