Could I ask you one last question? It's on the administrative component of it.
You're saying there is no additional risk to the homeowner component, but that there is additional risk to the taxpayer, because the taxpayer is footing, through a Crown borrowing program, these equity stakes that will be going out. Would that not, then, engender a premium to be charged just in case? Are you saying there's absolutely zero risk to the taxpayer as well? Or is it just to the homeowner that there's zero risk?