That's a very good question. We went through this test recently with the caisse populaire in New Brunswick, which is now UNI Coopération financière. Similar to other federal provisions, for example, deposit insurance, they've had to go to their customers, their members, and stipulate that the regime is changing and that the rules under which they are operating are changing for deposit insurance, including consumer protection.
The FCAC, the federal regulator, has worked with that entity to ensure they had all the documentation necessary to inform those members and those customers and clients about the differences that may exist between the federal regime and the provincial regime in New Brunswick. So the onus is on that entity to make sure it clearly explains to its members where there may be changes or differences in the rules that may apply to them.