Thank you. I'll share my time with my colleague, Mr. Caron.
I just have a question, please, for Ms. Durdin of the Credit Union Central. Just as a premise, I can't imagine the Conservatives going ahead with Bank Act changes without consulting that sector. But I understood in your answer to my colleague, Mr. Cullen, that you weren't consulted with the changes that were brought in by division 22, nor were you consulted last time when the changes were made on the tax regime. Have I got that right so far?