Thank you all very much. I do have questions for all of you, but I'm not sure I'll be able to get to them. Let me try.
I'll start with the First West Credit Union. I read in your brief, and then it was in your presentation as well, about how the changes you face are different from banks. For example, you mentioned the capital gains difference. Are there other examples or legislative changes that you want specifically in this budget that would level that playing field, as you mentioned?