The system is addressing that issue through the regionalization that you're seeing. Merger and amalgamation activity is happening across Canada through partnerships among credit unions that are coming together in regional centres. The branch network is still being supported, so we still have those face-to-face individuals across the desk, but we have fewer credit unions. I'll use Saskatchewan numbers because I'm most familiar with them. When I started with the credit union system 20 years ago, we had 330 individual credit unions; we're down to 65.
That's how they're getting at that. They get together and diversify their operation to spread out the risk so that they can continue to be in agriculture. That's the solution we have been using.