Yes, exactly, as stated in my comments.
We believe FCC is unfair competition. The source of funds they have access to from the Government of Canada is definitely something that credit unions don't have. When we're looking at what kind of lending rates we're able to provide and what type of terms, we have to be cognizant of where we're raising our capital as well as where we're raising our funds and our deposit rates on the other side, so all of this is considered when we're providing a loan to our members. Our income taxes and policies, at the end of the day, also need to be considered in our cost equation. We're not able to compete in the marketplace to the extent that FCC is.
Mr. Easter made another comment about seeing movement into credit that could be granted by credit unions where the member would be qualified for loans from a credit union. Absolutely, so where they used to be a lender of last resort, they're definitely not; they are our biggest competition in the marketplace today. Credit unions are competing as best they can. We are in a circumstance in rural Saskatchewan, or rural Canada--I'll broaden that--where we have the margin squeeze because of the Bank of Canada rates, where we're not able to continue to sustain all our branch network on a go-forward basis. We have a very difficult balancing act to try to maintain the extensive infrastructure we have and honour the reduced rates we're trying to provide to our membership.