Mr. Michael Torpey:

With the benefit of hindsight we ... it was one of a number of factors which contributed to noise, I'll call it, in the market around overheating. The reality is that 100% mortgages, of themselves, did not fundamentally alter the amount of mortgage finance that was put in the marketplace. You know, the amount, over a number of years, of 100% loan-to-value mortgages that were issued was in low single digit percentages-----