That's a leading question.
I was going to say that, yes, supporting the credit union system in the regulatory environment, both federal and provincial, is important because they play an important role for small business. In some of the western provinces, in Saskatchewan for example, half of small business lending in the province is delivered through credit unions. They play a very important role in that regard. As you know, one of my colleagues from the credit union was in front of this committee a few weeks ago to speak to a proposal that we've made to the federal government in terms of a small tax credit for credit unions. We've discussed that at this table before. We believe that the tax credit will allow the credit unions to retain capital and that capital is then translated into lending to small business.