The use of the term “bank” or “banking” was one, of course, that was originally intended around ensuring that consumers could understand what the institution was actually presenting itself as. I think the Office of the Superintendent of Financial Institutions has been charged with enforcing that act, and it identified a concern around the use of that term that was becoming more prevalent.
We have worked with the credit unions of Canada to move forward on an approach to ensure that they can continue to appropriately characterize their business activities using terms that make sense. That's a process going on right now, but I'm assured that both the association and the credit unions are comfortable with the approach we're taking, which will allow us to ensure that they can maintain the appropriate usage of the terms that customers have come to associate with their business.