That's exactly why we've taken the position that we have.
To your point, I believe Keremeos is the most recent community where we've seen that a credit union is the last standing financial institution. There are communities like that all over. It's really a policy approach that was tailored for Vancouver and Toronto and the real estate markets there. It's not a policy approach that's going to be in any way helpful to communities and the credit unions that serve them outside of those major metropolitan areas.