Perhaps I could follow up on that, Martha. You said earlier that these mortgage insurance requirements will affect the credit unions' ability to raise capital. I do know that the credit unions are in a lot of rural areas versus the banks. But that puts the credit unions in a much more difficult position.
My question would be this. First, what is the impact? Secondly, why would the impact be so much greater on the credit unions than it would be on the banks? I think we need to hear that explanation. Also, how could it affect growth? This committee's mandate is to look at how it could affect growth.