Thank you, honourable members, for providing an opportunity to share with you and respond to your questions.
I'd like to just expand on David's comments with respect to the Canadian business owner strategy. It is a two-pronged program. There's an internal component, which is our emphasis right now, and a potential external for future consideration.
The internal is readiness for market, trying to ensure that all the credit unions.... We have about 300 of the 440 or so credit unions engaged in the CBOS program right now, and our emphasis is very much on trying to improve the readiness, build what they currently have, and take it to another level. That includes probably our most significant piece, which is our training program, or HR development program, in which we have over 200 employees already enrolled just in the last two months.