I would say that's an entirely hypothetical question. When we talk to our colleagues about changes in market share or cooperative businesses, we very rarely discuss competition amongst ourselves. The competitors are the commercial banks. The credit unions, like the Caisses Desjardins, are an important alternative—and should become increasingly important—to a more widespread model which is that of the commercial banks.
I believe that my colleagues will agree that there is not really any competition among us in that regard.