I want to thank my colleague for allowing me some time.
My question is for the Canadian Credit Union Association. I'm looking at these measures that were introduced. We want to maintain the financial stability of our housing market; that is a paramount concern to all of us. With these measures, though, there's going to be, I think, at my level, an impact on mortgage and credit availability, on the competitive landscape, and potentially on pricing. That leads me to a question on the bigger picture. How does this impact the competitive landscape for credit unions today versus what may happen tomorrow with these proposed regulations?