If you buy in bulk - the banks are hoping you'll give them loans in bulk - then they'll give us incentives, which are lower rates to the clients.
We've heard the bad news. Now we have to hear the good news.
I would say John Hancock is a definite buyout candidate.
There's going to be further consolidation in the insurance industry, and I would say John Hancock is a definite candidate.
You're one person and I could have a group of loans that will go to that bank.