The decline in the portfolio reflects diminished investment opportunities amidst continued strong competition for mortgage assets.

The portfolio results for January really just reflect diminished investment opportunities, along with continued strong competition for mortgage assets.

The competition is getting more aggressive. If we don't do something, we're going to get left in the dust.

Any proposal from industry that seeks to promote both investment, improved services and competition is welcome.

Let the market work. Competition will drive investment.

These guys don't come cheap, but it's a bargain. The ROI [return on investment] is off the scale.