Thanks to our witnesses. It's very interesting.
Ms. Besse, I'd like to ask you about the difference credit unions make. You've given us some very impressive figures. Of course, I'm a member of a number of local credit unions. Our Vancity Savings dropped its credit card interest rate to 0%. Community Savings dropped its line of credit to 0%. What difference does it make when credit unions step up like this?
I also have an associated question. Credit unions initially had difficulty accessing the liquidity supports that were offered through federal institutions. How much of an impact did that have on the response of your credit union on behalf of its members during this pandemic?