I think one of the issues is the restriction on commercial lending powers in the Cooperative Credit Associations Act. These are quite restrictive in comparison to the Bank Act, and certainly something that we would like to see some loosening of. There is regulatory authority in OSFI to increase the lending limit to a certain extent, but we think this is an issue.
To the extent that provincial organizations have broader lending powers than what's available in the Cooperative Credit Associations Act, it makes it a comparatively less attractive option than just sticking with the provincial charter.