When we're looking at our total compensation, it's based on performance. We also do benchmarking on a regular basis to make sure that our compensation package is aligned with comparators in the private sector as well as the public service.
CMHC has a dual mandate. We provide a competitive insurance product and compete with the private sector for employees. In addition to that, we deliver appropriation-based business. We take that into consideration in determining our compensation structure for employees.