Let's talk about the specific activities of the cooperative movement. In Quebec, for example, Desjardins can sell insurance directly to its members, while the banks can't do that. Once this provision is in place, is there not a risk that the banks will be thinking, and I will quote my colleague, in Latin: "what's sauce for the goose is sauce for the gander"?
So the chartered banks could think to themselves that since Desjardins is selling insurance, and that cooperative may be federal, and I am of course saying "may" be, they now also want to sell insurance in Quebec or elsewhere throughout Canada?