I think one of the biggest issues we face in particular is when it comes to taxation. While credit unions are sometimes lumped in with banks, there are those very foundational differences in terms of how we raise capital. Ours comes from our retained earnings. As I mentioned, the lower our retained earnings, the less opportunity we have to lend out to small businesses.
As you'll see, and as you probably know already, credit unions are in a lot of small towns across Canada. We provide a very important source of employment but also support for small business and people wanting to buy their first homes in those small towns across the country. That's very important.
In terms of other legislation, specific to your point, we do wish to always see the regulatory burden managed effectively, realizing that the complexity of a credit union is significantly different from a bank, an international bank such as we have in Canada. We just want appropriate regulation for credit unions to make sure it fits the complexity of our organizations.