Thank you for the question. This is a very wide question. I'll try to focus on maybe one or two aspects.
We just have to realize that cooperatives are basically people taking care of their own, because there is the shared capital, and typically the other companies are not addressing the issues or not providing the services. The cooperatives are really grass-rooted in the community, both in Quebec and anywhere else in Canada. Cooperatives are really grass-rooted in their own communities.
That means a lot of decentralization, so one of the things we can do is exactly this: provide a framework where the cooperative can grow while being and staying as decentralized as possible. For example, the Desjardins Group was really successful—maybe a lot more so than the other financial cooperatives—because it's a federation. In fact, it's not one financial institution: it's 425 individual financial institutions within a federation with specific powers.
By having those types of decentralization and those types of powers, we were able to grow the power of the whole network a lot, but at the same time remain really connected to the community—