Also, communities like Peachland in my riding are only serviced by credit unions, so I certainly appreciate your being up to snuff with western Canada.
In regard to competitiveness, deposits, and whatnot, you said you have high capital requirements that are not the same at the federal level. I know many small businesses use credit unions as their go-to sources for funding and whatnot. If your depositors—in this case, small businesses—are being taxed at higher rates and have less money at the end of the day, that directly impacts your ability to lend, because the less money in the bank account, the less money goes out in loans. Is that correct?