At the top of the house, Vancity and two other credit unions in Canada are members of the Global Alliance for Banking on Values, an organization that wants to promote transparency in risk-taking and accountability in terms of community impact.
OSFI oversight specifically at Citizens Bank has served the organization very well, as OSFI has introduced some of these international Basel standards earlier into Canada, which have shaped the risk-taking and risk preparation inside the larger credit unions across Canada. We benefit from that early and direct oversight, and are grateful for that relationship between our federal agencies that oversee Citizens Bank.