I always hesitate to use national market share figures because for a system that's as regionally based as us, that can sometimes not give the right impression. That's why I wanted to point out that this penetration is actually quite large in some parts of the country. Ontario is an area where our presence would be less so, but I think we're very accurate.
I'd actually like to draw Mr. Luimes into the discussion here because he is a CEO of a credit union in Ontario and can give you a bit of a perspective.