Sure. I can probably talk a little bit about the shareholding element. And I apologize for not speaking French.
To address one of your concerns--that credit unions could use shareholdings to take over other credit unions and kind of get around the membership ownership of credit unions--I guess I would say that the bill ensures that credit unions are still owned and controlled by their members. The ability, or the flexibility, I guess I would say, to issue shares allows them to pursue greater avenues of raising funds, but at the end of the day, the members still own and control it. The shareholders have very limited rights compared to the members.