Thank you.
With respect to the first point, no, there's no ability to use funds from mortgage insurance for social housing programs. There are two very clear mandates. Those two areas don't get mixed. For assisted or social housing we receive appropriations from government and are accountable for the spending of that. For mortgage insurance, premiums are paid by borrowers and claims are paid from those premiums. There is no commingling, if I could call it that, between these two business lines.
With respect to the second question on how much in the mortgage insurance area we have to reserve or set aside, I mentioned in my comments that we follow the standards that the Office of the Superintendent of Financial Institutions sets for private mortgage insurers. There are very detailed calculations based on your business as to how much minimum capital you must hold to support that business. In CMHC's case, we hold twice the minimum level that OSFI recommends.