Sure.
In terms of paying more at the local credit union the first thing I would offer.... Certainly for small business, that wasn't the result of the CFIB survey. Credit unions are very competitive on prices, and I would argue that goes beyond small business into the retail markets as well.
With respect to the comments about the FCC mandate, other crown corporations active in financial services act in a complementary role to the private markets, where there's an adequate supply of funding available. I would argue that there are banks and credit unions ready, willing and able to serve the agricultural market. Certainly in my credit union's case, we have a 75-year history of serving that market exceptionally well.
I think what we're asking is for FCC's mandate to be more complementary, the way other organizations, such as Business Development Bank, EDC, and others, are.