Not to put you on the spot, but Mr. Conacher brought up some pretty important points with respect to the five big banks. I wonder if you could comment, more from a credit union perspective across the country, on how you may have been able to address some of the issues that he's brought forward, or if there are some concerns that you feel we should think about in the long term.
I think his concern was around the oversight of the five big banks and the difficulty we have of actually being able to address concerns within the system itself. I don't want to put words in his mouth, but it sounded like there wasn't that direct oversight of the big banks here in Canada that there might be, necessarily, in the United States. I didn't hear him include the credit unions in his opening remarks, so I thought you might want to comment from that perspective.