Mr. Richie Boucher:

We have operated in markets where there is insurance and it is something we will consider. One must be very careful when it comes to counter parties because one does not expect mortgages to go bad next year. Effectively, a person is taking a risk that the Central Bank does not want the person to take. If people are prepared to take the risk what will they be paid and will they answer if they are called? We have seen such markets operate and are interested in assessing such a proposal. If it can work we will participate but the counter party risk is an important consideration.