Given your experience growing up in northern British Columbia, I think you also would appreciate that a credit union really represents the community. I think any credit union that I've been exposed to does everything it can to try, when someone's going through financial difficulties, to make sure they can stay in their house. Certainly, with the work of the banks and Genworth and others, it's the same idea. You don't want to displace somebody from their home.
In terms of the competitiveness, it's clear that the changes in October...and from our earlier testimony, 15 policy shifts since 2006 for very small credit unions is very substantive. It's clearly had an impact. You've seen the consolidation within the markets.