Briefly, the structure of big banks gives them access to different vehicles for...I don't want to say tax avoidance, but I can't think of another word right now. Essentially, it allows them to shelter some of their income.
Because of the structure of co-operatives, we just don't have access to some of those vehicles. We are looking at other tax treatment that could show the value for some of those co-operative efforts— investment shares and that kind of thing. We don't have a structure. We're domestic, so we don't have international operations, for example, that allow for some income to avoid Canadian taxation.