Thank you, Mr. Chair.
In regard to the wine industry in Canada, my colleague Mr. Grewal mentioned earlier about the opportunities. I spoke to someone in Nova Scotia recently who said that when we made changes in 2006 to the Excise Tax Act, there were only 80 microbreweries at the time. Now there are ten times the amount of these micro craft brewers. These small touch-points make a big difference. Of course, wine has that extra Excise Act exemption if it has 100% Canadian content. Even though there aren't many touch-points, when you do hit on something, it can really change the nature of an industry.
I'd actually like to go to credit unions for a second. I think there's a bit of misunderstanding in Ottawa in general about how credit unions work, particularly in British Columbia. In British Columbia, it seems to me, compared to most provincial markets, there are a lot more credit unions. Is that the case?