Well, the legislation when it was initially passed would have thrown the federal credit union into the same voting class as the commercial banks in voting for their directors on the CPA.
It's a somewhat technical point, but it meant that, because of the way the voting was conducted, it was not really possible for a federal credit union to ever be elected as a director of the Canadian Payments Association because they would have been outvoted in this class, which would have been dominated by the commercial banks, and they would have been represented on the CPA, in effect, by a commercial bank.
There is a cooperatives class already in the CPA structure, and so what we said to the government was that we think it makes more sense to put this federal credit union into the cooperatives class because it has more in common with a cooperative than it does with a commercial bank. The federal government agreed with us on that point, and so it agreed to make the change, which it is making in this legislation. We are supportive of that change. We think it makes more sense to put the federal credit union in with the other cooperatives, so that it's grouped with like interests. That will work more effectively for federal credit unions when they are formed.