It comes from some math that was done of the universe of people who could be affected.
One of the things that's important is that we don't use average prices. In fact, the average price in Canada, for example, is $470,000. The average insured price is $284,000. For starter homes it's even less than that.
It's different in certain markets, certainly, but using average house prices to do this calculation is not the right basis.