Going back to the credit union association, the chair raised FINTRAC. Obviously, we also want to have Mr. Braid and his organization's views, if they have a submission on FINTRAC.
You've come before the committee to talk about FINTRAC, and one of the things we've been hearing often, because I've been asking this of almost every witness, is in regard to the administrative burden of the FINTRAC system. Hypothetically speaking, because I'm not sure I can convince all of the committee members to support this, if the government were to make a requirement for FINTRAC, or at least a recommendation, to start to track that administrative burden, I would imagine you wouldn't want to be lumped in with other financial institutions—not because they're not nice people, but because oftentimes....
You have the Summerland and District Credit Union, for example, which is one small branch. If you lump them in with some of the larger banks, you would not be able to use the statistics to tell whether or not there was a more proportionate burden on those smaller groups, because they could report out that in general this was how much it costs. While BMO has a tremendous amount of resources and centralization, a small credit union like Summerland and District wouldn't.
Do you have any thoughts on that? It's like I get a second chance to ask the question, and the chair has not pulled me in yet.