I would say that credit unions are working hard to try to help in communities where they have those other organizations.
There's some work that's been done in Vancouver. Vancity has a similar kind of short-term loan structure that has worked out fairly well.
Ontario announced recently that they're working with the provincial government to work on payday loan types of organizations.
I would say that credit unions are fairly well placed to work with the provincial governments, mostly, to try to support communities that are underserved by banks and others.