Thank you, Chair.
Thank you, gentlemen, for coming today. I know you're all very busy. June is a busy time of year for everybody in the agriculture sector, so we appreciate your making the effort to come here.
I've a couple of areas that I want go to. One is wholesale financing and the other is competition, which we're talking about in general. I'll start off with the competition side of it.
I want to say credit unions have been the backbone of Saskatchewan. You guys have done a heck of a job. One thing we really appreciate about credit unions is the ability to go and talk to somebody face to face and have a decision made face to face.
The one concern I have with credit unions right now is the ratios that some of these smaller branches have in these smaller communities. They don't have the mortgages or the credit cards or the other areas of business to keep that credit union on a good financial footing. How are you addressing that issue?