And of course, if they weren't, you wouldn't look.

Exactly.

But there is also very few people get to see the whole market, so having different access through different distribution networks- Gives us a broader view of the market.

So I'll give you a specific example.

When you look at the mortgage portfolio, the partnership have been very successful looking at international business, European.

We partner with Euclid, led by Jay Moynihan, someone I worked with at Aon for many years, and has been at the forefront of the mortgage reinsurance market.

But he has access, when he set up a couple of years ago, to the US mortgage market.

I.e., capital return.