And Rihanna, what is the biggest misconception for the conventional RMBS investors who are participating in this Islamic finance market?

I think the misconception goes a bit further than what we've already covered.

People often boil it down to just swapping interest for rent and loan for HPP.

But even the legal work involved reflects a real difference.

Legal opinions on true sale get obtained in any R&B as conventional or showy or compliant.

That's not unique here.

What's different is what those opinions are actually confirming.

And lastly, for you, Rehana, then, you already alluded to some of those factors, but from a purely credit perspective, what are the key risks investors should focus on when looking at the, say, share-compliant securitizations? And are there any specific rating considerations compared with, say, conventional mortgage-backed transactions that should be paid a little bit more attention to?