I appreciate that, Mr. Smith.
In my time remaining I'd like to follow up with Mr. Phillips on Mr. Keddy's question about Farm Credit Canada. I certainly appreciate that organization and all that it does, especially in rural Canada.
But I think, Mr. Phillips, that what you're saying is that if you look at the Business Development Bank, it acts in a complementary lending role, whereas FCC acts in a competitive lending role. FCC has actually gained much more of the market share over the last number of years from credit unions and other financial institutions. You are simply saying that it should be in a complementary role; that FCC should continue to exist, loan, and invest, and that we should look at its mandate; that its mandate needs to be reviewed.
I just want to give you an opportunity to clarify that.