I think there are a few answers to give.
First, all these financial institutions exist today, as you explained. But some are under federal government responsibility, while others are under provincial responsibility. Now, we are creating a model that would give cooperative institutions a choice between the federal model and the provincial model. There is really no change in this regard. It is simply a question of the type of regulation, of supervision, for each type of institution.
Second, the objective of the amendments to the Bank Act is really to establish the same style, the same type of rules for the other Canadian banks as for the cooperative institutions that exist at present. So there is really no difference between the regulatory rules that apply to cooperative institutions, as compared to the rules that apply to the banking institutions that exist now.