Thanks. I also want to add that credit unions, since 40-plus years ago, have changed the way they do business. They now sell insurance, which they didn't do before. They now issue shares to non-members, so they are able to raise capital. I just wanted that to be on the record.
I'm sorry, Mr. Phillips, that we don't agree. But in fact, I believe this is in line with our intention to make sure that there's tax fairness across the board, particularly when we're talking about our small businesses. I certainly know that if we raised taxes on corporations, as suggested by the opposition, it would have a much more severe implication for our credit unions, including our caisse populaires , etc.
Thank you.