Okay.
I have another concern. To be frank, we as a government have had success with the discussion on the ABM piece with the finance minister, and the discussion that's happened here at this table has driven some banks to make some changes in recent days on some fees. Maybe it is not to this gentleman's satisfaction, but it has happened and will likely continue to happen.
From a competition point of view--correct me if I'm wrong--credit unions have a deal amongst themselves that they don't charge.... For example, if I use credit union A and I belong to credit union B, it doesn't cost me anything to use that. Is that a competitive advantage for credit unions?