That would be assessed by the minister as part of the approval process, yes.
There is also another technical component of the financial institution legislation that's related to associates. In the event there were a series of owners that were deemed to be associated or were acting in concert, that would be addressed through the statutes. There's the widely held rule and the other framework related to ownership, 10% of large institutions, up to 20% with approval by the minister. There's a piece that goes on the top, which allows for an interpretation of association and acting in concert.