They would go through a financial institution. At the point in time that consumers are looking to purchase a home, they would go to a financial institution. They can either do that directly, or they could use a mortgage broker to facilitate that conversation. They would then make the application to the lender, saying that they want to purchase a particular home. If it needs mortgage insurance, it is then incumbent upon the lender to forward that either to us or to our competitors for adjudication.
On October 4th, 2011. See this statement in context.