Thank you.
As my colleague mentioned, this clause deals with fairly small institutions. It's small banks, credit unions. These are issues that I don't think need to come before Parliament for a vote. The minister has dealt with them in the past. There haven't been any difficulties. I think this will tie up the time of Parliament unnecessarily. Also, of course, for any significant mergers Parliament would always have to vote on those.
So I really don't think we need this. Also, if we change this clause, it will change a whole web of other rules dealing with small institutions, so there's a huge domino effect by this amendment. I don't really think it's necessary, and it would necessitate us going into a whole web of rules to accommodate it.