This legislation doesn't deal with demutualization. The demutualization issue is somewhat touched upon in the 2010 legislation that was passed. That legislation has not been proclaimed in force, and we expect to see some regulations dealing with this subject. It would only apply to federal credit unions, and we actually haven't any federal credit unions in place. So at this point it's pretty hypothetical.
I think the legislation that was passed in 2010 provides for safeguards around the whole demutualization process, to make sure everybody is fully informed and fully aware. The minister is only allowed to authorize the demutualization if the minister is convinced that it's in the best interests of the cooperative system, which is an important safeguard in the process.
The legislation that's in place is pretty well balanced on this. Again, we haven't had any experience with demutualizations of federal credit unions. I think it will be quite some time before that occurs, because the legislation hasn't been proclaimed and there are no federal credit unions in place. We understand it's an issue, but we'll have to wait a little longer before we actually see how one might transpire.