Thank you, Mr. Chair.
With respect to Farm Credit Canada, as of the last few years we certainly view them as a competitor. What's increasingly transpiring is that we, as financial institutions, are becoming more or less the complementary lender as opposed to the one that was initially complemented. It's as though the void that was initially there is no longer the case and is being filled by the federal government as opposed to being filled by the private sector. We'd certainly prefer things to revert to how they were and to have FCC fill the void in instances of the kind Marion alluded to, filling in when we're simply unable to or when there is incremental risk that we no longer can embrace.