Yes, that's exactly right. If we look at crown corporations, such as the Business Development Bank of Canada and the Export Development Bank of Canada, their statutes clearly state that they should behave in a manner that is complementary to private sector institutions. In other words, they should behave as partners to private sector institutions.
That is not a feature of the Farm Credit Canada legislation. Our suggestion is that that legislation should be like the legislation that applies to other state-owned enterprises. It should require that the FCC conduct itself in a manner that is complementary to private sector institutions.
Credit unions feel this much more than banks because frequently they are in rural communities; a large portion of their book is agricultural. They are feeling this competition from a non-taxed, non-regulated entity very directly. We look at how FCC has increased its market share considerably over the last few years.
Another request is that they be subjected to a mandate review. They haven't really had their mandate reviewed by a parliamentary committee for many years. We think it's long overdue, and it would be in the context of that review that we would pursue this request for complementarity in its mandate.