This is new news. It was announced last week, as you know. We're in the process of modelling some accurate data, which we will share with the committee and with you when we get it done.
But suffice it to say that credit unions securitize mortgages as a way to raise capital. The ability to securitize mortgages under this approach will be constrained, and therefore so will our ability to raise capital. Chartered banks have other ways to raise capital. They go to the markets. They raise it through shares and they go to the public market. So that's essentially the difference.