Thank you, MP McLeod.
On the first question, I think you were saying default or delinquency. I can only comment on First West's experience. What I would share with you is that we are seeing historically low delinquency rates, significantly below what we've seen in the past.
As it relates to how credit unions are performing, again I can only speak to First West, but I would just say that we have a very strong liquidity capital and capital position, and certainly have had a good fiscal year this past year.
Other than that, I can't really comment on the performance of others.