I'm glad to hear you say that you have confidence right now. I would hope that you would keep in connection with the committee as this process goes forward because a lot of these things, as we were saying in an earlier committee meeting today, end up going to the gazette process for comment and what not. Obviously, it would not be this committee that would be able to hear those concerns. However, I do believe it's good to continue to talk about these things.
I'll now move to the Canadian Credit Union Association.
Thank you for coming and talking a little bit about the certainty that credit unions need. Obviously, there have been a number of changes. For example, in Summerland, we have banks that have moved out, and often it's the credit union that is left to try to help out, such as the First West through its Valley First in Keremeos. Oftentimes, these rural communities only have access to that one financial institution.
As you said, there are different levels of protection. Obviously, every province has a slightly different regime when it comes to caisses populaires and credit unions. Is there a bigger value in having a voluntary code nationally where some provinces may not have gone through a process of figuring out what these codes should be, in saying, “Okay we're going to have one unified standard that all credit unions have to live up to”? Is that what you're proposing?