Perhaps I have just one clarifying point, which is that, as you may know, for the most part credit unions are incorporated under provincial jurisdiction. The provincial credit unions do have an option, if they want, to expand business beyond their provincial borders to opt to become federal credit unions. Two of them have, and those credit unions, now federal, have sought out this additional voting option that they previously had when they were provincially incorporated and regulated.
All we're doing is creating the same flexibility for them under the federal framework that they had under the provincial framework.