Although it is difficult to get insurance through the government, there are alternative programs through Canada Mortgage and Housing Corporation, where mortgages can be provided through projects that are worked on in partnership with government funding, Canada Mortgage and Housing and RBC. RBC also has an insurance division that has been training and focusing on these insurance gaps as well. We work very diligently to close the gaps that are brought to our attention through our network.
We also have the on-reserve housing loan program, where getting into a mortgage is as low as 2.5% down. It isn't taking citizens of a nation or a community too long to be able to save for their down payment. I recognize insurance is something that is required to be prepaid for a lot of applications.