I have about a minute left. I want to pick up on one of the comments that Mr. Brison was talking about in regard to the tax changes and one of the proposals you made in the prebudget consultations for the tax on the capital and the retained earnings. I understand that it's roughly $69 million.
The existing tax, which is being phased out I guess over five years...and it still doesn't apply to the real small credit unions, but as you merge, you get bigger, so therefore you would lose that tax advantage. My understanding is that it's roughly in the order of about $46 million today for that.