On the mortgage insurance side, obviously it's a business designed to make you money. Is there any requirement in the money that CMHC is making off this that a portion or a minimum amount of it must be reinvested in other housing programs? That's the first question.
Second, is there a reserve ratio, for lack of a better term, or how much you have to hold back versus how much you can lend out? What are the rules around that?
Could you provide some clarification on those two items, please?