It's just the constitutionality. A lot of these examples you gave, the caisses Desjardins or the caisses populaires,
apply to provincially regulated industries. We're therefore talking about provincial jurisdiction. On the other hand, the Bank of Montreal, CIBC or the National Bank are country-wide banks that aren't governed by a single provincial authority, but by a number of authorities. It's not the same thing. The difference is quite significant.