First of all, I think one reason reverse mortgages have not been more popular is a blanket policy of slamming the door on salespeople with complicated financial products to offer. It is probably not a bad blanket policy in retirement, of course, because there are scams.
That said, the U.S. and South Korea are the two markets that have the greatest market penetration of a reverse mortgage product. To my knowledge, those are the two countries where government insurance is available for a product that is sort of blessed by the government. I think you ought to give serious consideration to a somewhat improved product design, again, with a non-growing balance. You might think about offering federal reverse mortgage insurance to investors, with a standardized product that has explicit government blessing and where conformity to origination standards is monitored by a government entity. You could put a lot more cash into the hands of working-class, older homeowners, which, of course, softens some of the demographic financial pressures that we've already addressed today.