I would be pleased to answer that question.
These changes stem from an extensive process of consultation in the broad sense. It was flagged several years ago by the credit union movement and, in particular the credit union centrals, that changes in the regulatory landscape were intended, and it was more recently flagged in the budget of 2014. Over the last two years there have been interactions at a variety of levels, including communications with provinces and provincial officials, who are responsible for the regulation of credit unions, and many meetings with credit unions themselves. Most recently, there has been a technical paper published to elaborate on the rationale behind the changes.