Thank you, Chair.
I've been very critical of the way the government has handled this particular bill with respect to putting things into the bill that are inappropriate or not before the right committee and to throwing everything in, including the kitchen sink. However, concerning the proposal that there be federal legislation with respect to credit unions, which has been talked about for years—Mr. Phillips in particular has made representations—this is an appropriate committee, and this is an appropriate item to put into this particular kind of legislation.
Having said that, the question I have for Mr. Phillips and possibly Mr. Thibault is, why would a credit union now incorporate provincially?