Okay. I have a quick follow-up, because I do want to move to the credit unions.
On PIPEDA, obviously there are privacy concerns that we need to deal with if we want to follow the House of Commons ethics committee recommendation to allow further information sharing. Sometimes I'm hesitant to advocate for more information sharing where the safeguards are not in place. I wanted to make that comment.
Going to the credit unions, we had FATCA, I think it was called, introduced a while ago. The burden on the compliance for credit unions, especially some of the smaller ones, is a lot. How are your members handling the compliance costs in terms of what we require, and do they have the wherewithal to potentially withstand more strengthening of compliance measures?