I guess when we take a look at it, we believe that the crown corporations definitely have a role to play when the needs aren't being met. When it comes to agriculture lending, we want to step up and we want to participate. So we didn't see that as a marketplace where there were needs being unmet. Actually, in trying to address this issue, it would be a number of years ago that we met with Farm Credit Canada because we had pockets of credit unions that were having some success in cooperating with Farm Credit Canada in partnerships. So at that point we determined to encourage credit unions to establish partnerships with Farm Credit Canada. In those instances where there were successful partnerships, the credit union was providing operating credit and Farm Credit Canada was providing the fixed credit. Those were very effective partnerships. Those partnerships have fallen away, where FCC is even providing the operating credit out there.
So they're very aggressive in the marketplace, and it's a difficult marketplace for credit unions to continue to exist in. The fact that they have government backing is really an issue for us. We want to play a thorough role with our agriculture members and we're finding ourselves not being able to do so.